3520 Prospect Rd, Street, MD 21154 Property Records

Harford County property record for 3520 Prospect Rd, Street, MD 21154

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,698 sqft · built 2023
Lot Size	2.23 acres (97,139 sqft)
Owner	2 Individual Names on File
Last Sale	$926,589 (Feb 2024)
Tax Bill	$6,262 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Sep 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-063086`

Property Details

APN / Parcel Number

Primary APN	`05-063086`
Alternative APN	`063086`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,698 sqft Total Area
Basement Area	965 sqft
Finished Basement	965 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	97,139 sqft (2.23 acres)
Garage Type	Mixed
Garage Area	573 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	214 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	063086
Street Address	3520 PROSPECT RD
City	STREET
State	MD
Zip	21154-1523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 4 2.23 AC 3520 PROSPECT ROAD LD EVANS PT 119/69
Legal Subdivision	JOE & ELIZABETH EVANS
Legal Lot Number	4
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	3
Census Block	3018
Census Tract	305100

Owner

Source: Harford County assessment roll, as of August 12, 2025

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 File
Mailing Address	3520 PROSPECT RD, STREET, MD 21154-1523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2024	Deed, Transfer · VA Mortgage FIRST SAVINGS MORTGAGE CO
Sep 26, 2022	Deed, Transfer FRONT DOOR TITLE INC
Sep 7, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 7, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 9, 2024 · Amount on Record
Deed Sale	Feb 9, 2024 · Amount on Record
Prior Sale	Sep 26, 2022 · Amount on Record
Record Updated	Sep 20, 2026

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Feb 9, 2024
Property Address	3520 PROSPECT RD, STREET, MD 21154-1523
Document Number	0161710031
Book / Page	16171 / 31
Map Reference	MB JJR 119 FO 69
Instrument Date	Feb 2, 2024
Transaction Type	Transfer
Record Updated	Mar 13, 2024
Title Company	FRONT DOOR TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,632.95
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3520 PROSPECT RD, STREET, MD 21154-1523

Mortgage

Document Number	0161710036
Date	Feb 9, 2024
Instrument	16171-0036

Lender

Name	FIRST SAVINGS MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Sep 26, 2022
Property Address	3520 PROSPECT RD, STREET, MD 21154-1523
Document Number	0156830323
Book / Page	15683 / 323
Map Reference	MB JJR119 FO 69
Instrument Date	Sep 20, 2022
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	FRONT DOOR TITLE INC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 10156, BALDWIN, MD 21013-1156

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARFORD MD
Recording Date	Sep 7, 2017
Property Address	3520 PROSPECT RD, STREET, MD 21154-1523
Document Number	0125020118
Book / Page	012502 / 000118
Instrument Date	Jul 26, 2017
Transaction Type	Transfer
Record Updated	Sep 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	343 DONALD CIR FOREST HILL MD 210501304, FOREST HILL, MD 21050-1304

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARFORD MD
Recording Date	Sep 7, 2017
Property Address	3520 PROSPECT RD, STREET, MD 21154-1523
Document Number	0125020127
Book / Page	012502 / 000127
Instrument Date	Jul 26, 2017
Transaction Type	Transfer
Record Updated	Sep 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	343 DONALD CIR FOREST HILL MD 210501304, FOREST HILL, MD 21050-1304

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

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		$739,500 (+653.82%)	$824,700 (+740.67%) Land $126,100 Building $698,600
2025	$6,262.00 (+485.78%) Homeowner's exemption
2023		$98,100 Land $98,100	$98,100 Land $98,100
2022	$1,069.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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

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 at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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