3530 Prospect Rd, Street, MD 21154 Property Records

Harford County property record for 3530 Prospect Rd, Street, MD 21154

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,080 sqft · built 1969
Lot Size	4.18 acres (182,081 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,090 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-012473`

Property Details

APN / Parcel Number

Primary APN	`05-012473`
Alternative APNs	`5012473` `012473`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,080 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	182,081 sqft (4.18 acres)
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	648 sqft
Porch	Slab
Porch Area	200 sqft
Deck Area	114 sqft
Patio Area	114 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	012473
Street Address	3530 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 2 4.18 AC 3530 PROSPECT ROAD LD EVANS PT 122/31
Legal Subdivision	JOE & ELIZABETH EVANS
Legal Lot Number	2
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	3
Census Block	3018
Census Tract	305100

Owner

3530 Prospect Rd is owned and occupied by two individuals who acquired it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3530 PROSPECT RD, STREET, MD 21154-1523
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
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FEDERAL CREDIT UNION
Mar 12, 2021	Intrafamily Transfer, Transfer · VA Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2021
Deed Sale	Mar 12, 2021
Prior Sale	Jan 22, 2015 · Amount on File
Deed Book / Page	14577 / 64
Prior Transfer Date	Feb 23, 2021
Prior Transfer Doc	0145770064
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Recording Date	Jul 23, 2026
Property Address	3530 PROSPECT RD, STREET, MD 21154-1523
Document Number	1721000165
Book / Page	17218 / 165
Instrument Date	Jul 17, 2026
Transaction Type	Mortgage
Record Updated	Jul 30, 2026
Title Company	MARVEL TITLE AND ESCROW, MARVEL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3530 PROSPECT RD, STREET, MD 21154-1523

Mortgage

Document Number	1721000165,
Date	Jul 23, 2026
Book Page	17218/165

Lender

Name	ABERDEEN PROVING GROUND FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.47%
Max Rate	-1%

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	Mar 12, 2021
Property Address	3530 PROSPECT RD, STREET, MD 21154-1523
Document Number	0145770064
Book / Page	14577 / 64
Map Reference	MB 122 FO 31
Instrument Date	Feb 23, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CASTLE R/E TITLE LLC, CASTLE TITLE LLC

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	3530 PROSPECT RD, STREET, MD 21154-1523

Mortgage

Document Number	0001457767
Date	Mar 12, 2021
Instrument	14577/67

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 3530 Prospect Rd was $5,090, up 15.4% 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	$5,090.00 (+15.42%)	$461,533 (+7.24%)	$492,700 (-) Land $135,900 Building $356,800
2025	$4,410.00	$430,367	$492,700 Land $135,900 Building $356,800
2023		$387,733	$399,200 Land $125,900 Building $273,300
2022	$4,160.00

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

Flood

FEMA maps place 3530 Prospect 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 3530 Prospect 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 25 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Prospect Rd

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