3262 Ady Rd, Street, MD 21154 Property Records

Harford County property record for 3262 Ady Rd, Street, MD 21154

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,264 sqft · built 1998
Lot Size	2.94 acres (128,066 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Jun 2017)
Tax Bill	$7,200 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-050685`

Property Details

APN / Parcel Number

Primary APN	`05-050685`
Alternative APNs	`5050685` `050685`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,264 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	128,066 sqft (2.94 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	758 sqft
Deck Area	640 sqft
Shed	1 Shed
Shed Area	288 sqft
Gazebo	256 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	050685
Street Address	3262 ADY RD
City	STREET
State	MD
Zip	21154-1611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LT 1 2.949 AC 3262 ADY ROAD ST ANNE S1 P 65/70
Legal Subdivision	PLAT ONE ST ANNE
Legal Lot Number	1
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	4
Census Block	4013
Census Tract	305100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lower Deer Creek Valley Historic District listed 1993 · 275 contributing resources · NRIS 93001143

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	3262 ADY RD, STREET, MD 21154-1611
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage SEVERN SAVINGS BANK FSB
Jun 21, 2017	Deed, Transfer · FHA Mortgage SEVERN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2017 · Amount on Record
Deed Sale	Jun 21, 2017 · Amount on Record
Prior Sale	Jun 28, 1996 · Amount on Record
Deed Document Number	201712397-0272
Deed Book / Page	12397 / 272
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3262 ADY RD, STREET, MD 21154-1611
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138860386
Date	Jun 3, 2020
Book Page	13886/386

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 21, 2017
Property Address	3262 ADY RD, STREET, MD 21154-1611
Document Number	0123970272
Book / Page	12397 / 0272
Map Reference	MB CGH III65 FO70
Instrument Date	May 24, 2017
Instrument	12397-0272
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	XSPRESS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3262 ADY RD, STREET, MD 21154-1611

Mortgage

Document Number	123970281
Date	Jun 21, 2017
Instrument	12397-0281

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,200.00 (+12.06%) Homeowner's exemption	$655,133 (+15.75%)	$690,700 (+18.27%) Land $149,700 Building $541,000
2025	$6,425.00 (+6.53%) Homeowner's exemption
2023		$565,967	$584,000 Land $147,800 Building $436,200
2022	$6,031.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1987)
Most Recent Claim	Sep 1987 · river or lake flooding

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.

Wildfire

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20
Starlink Satellite	280 / 30

May also be available: IQ Fiber.

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