3315 Choptank Ave, Middle River, MD 21220 Property Records

Baltimore County property record for 3315 Choptank Ave, Middle River, MD 21220

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,858 sqft · built 2022
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Oct 2018)
Tax Bill	$7,470 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Mar 2021 Construction Loan + 3 more
APN	`15-2500014870`

Property Details

APN / Parcel Number

Primary APN	`15-2500014870`
Alternative APN	`2500014870`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,858 sqft Living Area
Gross Area	3,258 sqft
1st Floor Area	1,254 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	30,056 sqft (0.69 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	2500014870
Street Address	3315 CHOPTANK AVE
City	MIDDLE RIVER
State	MD
Zip	21220-4327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 133 .69 AC SES LONG BEACH ESTATES
Legal Subdivision	LONG BEACH ESTATES
Legal Block	1
Legal Lot Number	133
Jurisdiction	BALTIMORE MD
Township / Civil Division	15
Census Block Group	1
Census Block	1020
Census Tract	451802

Owner

Source: Baltimore County records, as of July 13, 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 Record
Mailing Address	6917 EBENEZER RD, MIDDLE RIVER, MD 21220-1227
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage POINT BREEZE CU
Mar 3, 2021	Deed of Trust, Mortgage · Construction Mortgage SEVERN SAVINGS BANK FSB
Feb 15, 2022	Intrafamily Transfer, Transfer · Stand-Alone First Mortgage POINT BREEZE CU
Jan 24, 2020	Loan Modification, Mortgage ROSEDALE FED'L S&L ASSN
Oct 9, 2018	Grant Deed, Transfer ROSEDALE FED'L S&L ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2018 · Amount on Record
Deed Sale	Oct 9, 2018 · Amount on Record
Deed Book / Page	40761 / 27
Last Transfer Date	Dec 14, 2021
Transfer Doc	0464110160
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	3315 CHOPTANK AVE, MIDDLE RIVER, MD 21220-4327
Transaction Type	Mortgage
Record Updated	Jun 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0481060166
Date	Jun 5, 2023
Book Page	48106/166

Lender

Name	POINT BREEZE CU
Type	Credit Union
Address	HUNT VALLEY, MD 21031

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	239 Months
Due	May 17, 2043

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	3315 CHOPTANK AVE, MIDDLE RIVER, MD 21220-4327
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0442390045
Date	Mar 3, 2021
Book Page	44239/45

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	371 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Min Rate At Change	4.75%
Max Rate At Change	9.75%
Max Rate	9.75%

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BALTIMORE MD
Recording Date	Feb 15, 2022
Property Address	3315 CHOPTANK AVE, MIDDLE RIVER, MD 21220-4327
Document Number	0464110160
Book / Page	46411 / 160
Map Reference	MB 4 FO 131
Instrument Date	Dec 14, 2021
Transaction Type	Transfer
Record Updated	Aug 12, 2022

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	6917 EBENEZER RD, MIDDLE RIVER, MD 21220-1227

Mortgage

Document Number	0046411163
Date	Feb 15, 2022
Instrument	46411/163

Lender

Name	POINT BREEZE CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BALTIMORE MD
Property Address	3315 CHOPTANK AVE, MIDDLE RIVER, MD 21220-4327
Document Number	0424070207
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Feb 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	930 COLD SPRING RD BALTIMORE MD 21220, BALTIMORE, MD 21220

Mortgage

Document Number	0424070207
Date	Jan 29, 2020
Book Page	042407/000207

Lender

Name	ROSEDALE FED'L S&L ASSN
Type	Federal Savings Bank
Address	BALTIMORE, MD 21236

Agreement

Amount	Amount Recorded

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BALTIMORE MD
Recording Date	Oct 9, 2018
Property Address	3315 CHOPTANK AVE, MIDDLE RIVER, MD 21220-4327
Document Number	0407610027
Book / Page	040761 / 000027
Instrument Date	Sep 25, 2018
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	COMMERCIAL TITLE COMPANY, COMMERCIAL TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 16638 BALTIMORE MD 212210638, BALTIMORE, MD 21221-0638

Mortgage

Document Number	407610035
Date	Oct 9, 2018
Book Page	040761/000035

Lender

Name	ROSEDALE FED'L S&L ASSN
Type	Federal Savings Bank
Address	BALTIMORE, MD 21236

Agreement

Amount	Amount Recorded

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	$7,470.00 (+6.53%)	$484,400 (+9.74%)	$505,900 (+14.61%) Land $148,000 Building $357,900
2024	$7,012.00 (-1%)
2023	$7,083.00	$441,400 Land $126,500 Building $314,900	$441,400 Land $126,500 Building $314,900

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record 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

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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