Baltimore County property record for 3509 Bay Dr, Middle River, MD 21220
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,512 sqft · built 2017 |
| Lot Size | 0.382 acres (16,650 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,135,000 (Sep 2021) |
| Tax Bill | $4,879 (2023) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2021 Sale & Mortgage + 2 more |
| APN | 15-1519000191 |
| Primary APN | 15-1519000191 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,512 sqft Total Area |
| 1st Floor Area | 984 sqft |
| Basement Area | 650 sqft |
| Finished Basement | 650 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2017 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 16,650 sqft (0.382 acres) |
| Lot Width | 55 ft Width |
| Garage Type | Mixed |
| Garage Area | 1,080 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 224 sqft |
| Deck Area | 40 sqft |
| Patio Area | 409 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 1519000191 |
|---|---|
| Street Address | 3509 BAY DR |
| City | MIDDLE RIVER |
| State | MD |
| Zip | 21220-4402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BOWLEYS QUARTERS |
| Legal Subdivision | BOWLEYS QUARTERS |
| Legal Lot Number | 14 |
| Jurisdiction | BALTIMORE MD |
| Township / Civil Division | 15 |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 451802 |
Source: Baltimore County records · APN 15-1519000191
Assessment roll updated July 1, 2023 · Last verified September 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3509 BAY DR, MIDDLE RIVER, MD 21220-4402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 31, 2025 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Sep 30, 2021 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Aug 13, 2018 | Deed, Transfer · Conventional Mortgage M & T BANK |
| Aug 07, 2018 | Deed of Trust, Mortgage M&T BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 30, 2021 · Amount on Record |
| Deed Sale | Sep 30, 2021 · Amount on Record |
| Prior Sale | Aug 13, 2018 · Amount on Record |
| Deed Document Number | 0045538359 |
| Deed Book / Page | 45538 / 359 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Property Address | 3509 BAY DR, MIDDLE RIVER, MD 21220-4402 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Title Company | AVENUE 365 LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3509 BAY DR, MIDDLE RIVER, MD 21220-4402 |
| Document Number | 0508630274 |
|---|---|
| Date | Dec 31, 2025 |
| Book Page | 50863/274 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Recording Date | Sep 30, 2021 |
| Property Address | 3509 BAY DR, MIDDLE RIVER, MD 21220-4402 |
| Document Number | 0455380359 |
| Book / Page | 45538 / 359 |
| Map Reference | MB LML9 FO 56 |
| Instrument Date | Jul 19, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | WESTERN TITLE AND ESCROW COMPANY, TERRAIN TITLE & ESCROW CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3509 BAY DR, MIDDLE RIVER, MD 21220-4402 |
| Document Number | 0045538365 |
|---|---|
| Date | Sep 30, 2021 |
| Instrument | 45538/365 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 01, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.5% |
| Index | Other |
| Max Rate | 7.5% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Recording Date | Aug 13, 2018 |
| Property Address | 3509 BAY DR, MIDDLE RIVER, MD 21220-4402 |
| Document Number | 0405640031 |
| Book / Page | 0040564 / 031 |
| Map Reference | MB LMCLM9 FO56 |
| Instrument Date | Aug 07, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3509 BAY DR, MIDDLE RIVER, MD 21220-4402 |
| Document Number | 0004056436 |
|---|---|
| Date | Aug 13, 2018 |
| Instrument | 0040564/36 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Property Address | 3509 BAY DR, MIDDLE RIVER, MD 21220-4402 |
| Document Number | 0408040238 |
| Instrument Date | Aug 07, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Title Company | CLEARVIEW SETTLEMENT SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 3509 BAY DR MIDDLE RIVER MD 212204402, MIDDLE RIVER, MD 21220-4402 |
| Document Number | 0408040238 |
|---|---|
| Date | Aug 13, 2018 |
| Book Page | 040804/000238 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 12, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
Source: Baltimore County records · Assessment roll updated July 1, 2023 · Last verified September 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Baltimore County |
| Unified School District | Baltimore County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,879.00 | $744,700 Land $263,100 Building $481,600 | $744,700 Land $263,100 Building $481,600 |
Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 234 policies |
| Nearby Flood Policies | 234 in force |
| Nearby Flood Claims | 351 (1979–2024) |
| Claims Outside the SFHA | 53 of 351 |
| Most Recent Claim | Aug 2024 · tidal / storm surge |
| Claims by Event |
|
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.8% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
Based on FCC filings for 9 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF BALTIMORE serves 1,600,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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