Harford County property record for 324 Cigar Loop, Havre De Grace, MD 21078
| Property Type | Townhouse |
|---|---|
| Details | 4 ba · 1,734 sqft · built 2006 |
| Lot Size | 0.119 acres (5,192 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $475,000 (Mar 2024) |
| Tax Bill | $3,926 (2026) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Oct 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-067212 |
| Primary APN | 06-067212 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,734 sqft Total Area |
| Basement Area | 1,300 sqft |
| Finished Basement | 1,300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 5,192 sqft (0.119 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 192 sqft |
| Balcony Area | 526 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 067212 |
|---|---|
| Street Address | 324 CIGAR LOOP |
| City | HAVRE DE GRACE |
| State | MD |
| Zip | 21078-2348 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R2 |
| Legal Description | LOT 1913 5192 SF 324 CIGAR LOOP BULLE ROCK PT 118/46 |
| Legal Subdivision | BULLE ROCK |
| Legal Lot Number | 1913 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 6, HAVRE DE GRACE |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 306400 |
Source: Harford County records, as of August 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 324 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2024 | Deed, Transfer · VA Mortgage KEYSTONE FUNDING INC |
| Oct 31, 2022 | Deed of Trust, Mortgage · VA Mortgage ABSOLUTE HOME MORTGAGE CORP |
| Nov 19, 2020 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Nov 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 13, 2020 | Deed of Trust, Mortgage · Conventional with PMI VETERANS UNITED HM LNS |
| Jan 30, 2019 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Apr 16, 2018 | Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2024 · Amount on Record |
| Deed Sale | Mar 1, 2024 · Amount on Record |
| Prior Sale | Apr 16, 2018 · Amount on Record |
| Deed Book / Page | 16188 / 455 |
| Transfer Doc | 0032100715 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Mar 1, 2024 |
| Property Address | 324 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Document Number | 0161880455 |
| Book / Page | 16188 / 455 |
| Map Reference | MB 118 PL 46 |
| Instrument Date | Feb 15, 2024 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2024 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,187.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 324 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Document Number | 0161880464 |
|---|---|
| Date | Mar 1, 2024 |
| Instrument | 16188-0464 |
| Name | KEYSTONE FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 324 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2022 |
| Title Company | MADISON SETTLEMENT SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0157230001 |
|---|---|
| Date | Oct 31, 2022 |
| Book Page | 15723/1 |
| Name | ABSOLUTE HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFIELD, NJ 07004 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 324 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0142740465 |
|---|---|
| Date | Nov 19, 2020 |
| Book Page | 14274/465 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 324 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0151770279 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | 15177/279 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 324 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Document Number | 0137290265 |
| Instrument Date | Jan 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2020 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 324 CIGAR LOOP HAVRE DE GRACE MD 210782348, HAVRE DE GRACE, MD 21078-2348 |
| Document Number | 0137290265 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 013729/000265 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 5, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 324 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Document Number | 0131490014 |
| Instrument Date | Jan 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 324 CIGAR LOOP HAVRE DE GRACE MD 210782348, HAVRE DE GRACE, MD 21078-2348 |
| Document Number | 0131490014 |
|---|---|
| Date | Feb 7, 2019 |
| Book Page | 013149/000014 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 6, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Apr 16, 2018 |
| Property Address | 324 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Document Number | 0127810094 |
| Book / Page | 012781 / 000094 |
| Instrument Date | Apr 3, 2018 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2018 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 324 CIGAR LOOP HAVRE DE GRACE MD 210782348, HAVRE DE GRACE, MD 21078-2348 |
| Document Number | 127810100 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 012781/000100 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 15, 2048 |
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Municipality | Havre De Grace City |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,926.00 (+31.48%) | $411,833 (+13.59%) | $461,100 (-) Land $85,000 Building $376,100 |
| 2025 | $2,986.00 (+10.59%) | $362,567 (+21.35%) | $461,100 (+47.18%) Land $85,000 Building $376,100 |
| 2023 | $298,767 | $313,300 Land $85,000 Building $228,300 | |
| 2022 | $2,700.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2015 · other causes |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF HAVRE DE GRACE serves 14,000 people · EPA ID MD0120012 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2016 |
|---|---|
| Treatment and Procedure | Organic carbon removal Oct 2023 |
| Monitoring and Reporting | 16 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| IQ Fiber Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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