3309 Choptank Ave, Middle River, MD 21220 Property Records

Baltimore County property record for 3309 Choptank Ave, Middle River, MD 21220

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,492 sqft · built 2019
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jan 2019)
Tax Bill	$5,750 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2023 Transfer + 2 more
APN	`15-2500014869`

Property Details

APN / Parcel Number

Primary APN	`15-2500014869`
Alternative APN	`2500014869`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,492 sqft Living Area
Gross Area	1,952 sqft
1st Floor Area	1,492 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	41,382 sqft (0.95 acres)
Lot Dimensions	314 ft deep x 265 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	492 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Account Number	2500014869
Street Address	3309 CHOPTANK AVE
City	MIDDLE RIVER
State	MD
Zip	21220-4327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 131 .95 SES LONG BEACH ESTATES
Legal Subdivision	LONG BEACH ESTATES
Legal Block	1
Legal Lot Number	131
Jurisdiction	BALTIMORE MD
Township / Civil Division	15
Census Block Group	1
Census Block	1020
Census Tract	451802

Owner

3309 Choptank Ave is owned and occupied by two individuals who bought it in January 2019.

Source: Baltimore County records, as of March 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3309 CHOPTANK AVE, MIDDLE RIVER, MD 21220-4327
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage GOLDWATER BANK NA
Sep 6, 2023	Intrafamily Transfer, Transfer
May 6, 2019	Loan Modification, Mortgage FIDELITY BK MTG
Oct 9, 2018	Deed, Transfer · Commercial Mortgage ROSEDALE FEDERAL SAVINGS AND LOAN A

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2019 · Amount on File
Deed Sale	Jan 10, 2019 · Amount on File
Prior Sale	Oct 9, 2018 · Amount on File
Deed Book / Page	41040 / 280
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	3309 CHOPTANK AVE, MIDDLE RIVER, MD 21220-4327
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0440440180
Date	Feb 4, 2021
Book Page	44044/180

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BALTIMORE MD
Recording Date	Sep 6, 2023
Property Address	3309 CHOPTANK AVE, MIDDLE RIVER, MD 21220-4327
Document Number	0483590001
Book / Page	48359 / 1
Map Reference	MB 4 FO 131
Instrument Date	Aug 1, 2023
Transaction Type	Transfer
Record Updated	Sep 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3309 CHOPTANK AVE, MIDDLE RIVER, MD 21220-4327

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BALTIMORE MD
Property Address	3309 CHOPTANK AVE, BALTIMORE, MD 21220-4327
Document Number	0415370142
Instrument Date	May 6, 2019
Transaction Type	Mortgage
Record Updated	Jun 27, 2019
Title Company	CERTIFIED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3309 CHOPTANK AVE MIDDLE RIVER MD 21220, MIDDLE RIVER, MD 21220

Mortgage

Document Number	0415370142
Date	Jun 17, 2019
Book Page	041537/000142

Lender

Name	FIDELITY BK MTG
Type	Bank
Address	ATLANTA, GA 30329

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2049

Interest

Rate Type	Fixed Rate
Rate	4.5%

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BALTIMORE MD
Recording Date	Oct 9, 2018
Property Address	3309 CHOPTANK AVE, BALTIMORE, MD 21220-4327
Document Number	0407610027
Book / Page	0040761 / 027
Map Reference	MB WPC4 FO131
Instrument Date	Sep 25, 2018
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	COMMERCIAL TITLE CO LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 16638, BALTIMORE, MD 21221-0638

Mortgage

Document Number	0004076135
Date	Oct 9, 2018
Instrument	0040761/35

Lender

Name	ROSEDALE FEDERAL SAVINGS AND LOAN A
Type	Government Agency

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Baltimore County assessment roll, as of July 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$392,667	$417,300 Land $159,400 Building $257,900
2024	$5,750.00 (+4.74%)
2023	$5,490.00	$343,400 Land $129,300 Building $214,100	$343,400 Land $129,300 Building $214,100

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

Flood

FEMA has no flood map on file for 3309 Choptank Ave; there have been 175 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 168 policies
Nearby Flood Policies	168 in force
Nearby Flood Claims	175 (1979–2024)
Claims Outside the SFHA	36 of 175
Most Recent Claim	Aug 2024 · river or lake flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims Hurricane Isabel, Sep 2003 · 112 claims

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

Wildfire risk around 3309 Choptank Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BALTIMORE serves 1,600,000 people · EPA ID MD0300002
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 E. coli resolved · Sep 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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