3349 Ady Rd, Street, MD 21154 Property Records

Harford County property record for 3349 Ady Rd, Street, MD 21154

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,932 sqft · built 1982
Lot Size	2.19 acres (95,396 sqft)
Owner	2 Individual Names on File
Last Sale	$299,000 (Oct 2003)
Tax Bill	$4,051 (2026)
Deeds & Mortgages	Apr 2023 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-043883`

Property Details

APN / Parcel Number

Primary APN	`05-043883`
Alternative APNs	`5043883` `043883`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,932 sqft Total Area
Basement Area	315 sqft
Finished Basement	315 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	95,396 sqft (2.19 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	313 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	043883
Street Address	3349 ADY RD
City	STREET
State	MD
Zip	21154-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LT 4 2.19 AC 3349 ADY ROAD LD OF SPARR PT 46/79
Legal Subdivision	JOSEPH J SPARR
Legal Lot Number	4
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	3
Census Block	3009
Census Tract	305100

Owner

3349 Ady Rd is owned and occupied by two individuals who bought it in October 2003.

Source: Harford County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3349 ADY RD, STREET, MD 21154-1607
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2023	Deed of Trust, Mortgage · Unknown FIRST NATIONAL BANK OF PENNSYLVANIA
Apr 27, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage US MUTUAL HM LNS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2003 · Amount on File
Deed Sale	Oct 29, 2003 · Amount on File
Prior Sale	Aug 4, 1997 · Amount on File
Deed Document Number	2003197
Deed Book / Page	4976 / 360
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3349 ADY RD, STREET, MD 21154-1607
Transaction Type	Mortgage
Record Updated	Apr 25, 2023
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0158710170
Date	Apr 7, 2023
Book Page	15871/170

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	BEL AIR, MD 21015

Agreement

Type	Unknown
Amount	Amount on Record
Term	263 Months
Due	Mar 28, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3349 ADY RD, STREET, MD 21154-1607
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147010430
Date	Apr 27, 2021
Book Page	14701/430

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	BEL AIR, MD 21015

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3349 ADY RD, STREET, MD 21154-1607
Document Number	0142460094
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3349 ADY RD STREET MD 211541607, STREET, MD 21154-1607

Mortgage

Document Number	0142460094
Date	Nov 9, 2020
Book Page	014246/000094

Lender

Name	US MUTUAL HM LNS INC
Address	HUNT VALLEY, MD 21030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3349 Ady Rd was $4,051 with a homeowner's exemption, up 12.8% from the year before.

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	$4,051.00 (+12.81%) Homeowner's exemption	$366,267	$387,400 Land $120,900 Building $266,500
2025	$3,591.00 Homeowner's exemption
2023		$313,000	$324,000 Land $120,900 Building $203,100
2022	$3,351.00

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

Flood

FEMA maps place 3349 Ady Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1984.

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	4 in force
Nearby Flood Claims	3 (1984–2006)
Most Recent Claim	Jun 2006 · 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

Wildfire risk around 3349 Ady Rd is low, with 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 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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