3603 Bertram Dr, Aberdeen, MD 21001 Property Records

Harford County property record for 3603 Bertram Dr, Aberdeen, MD 21001

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,290 sqft · built 2015
Lot Size	0.185 acres (8,064 sqft)
Owner	2 Individual Names on Record
Last Sale	$432,525 (Apr 2015)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-108674`

Property Details

APN / Parcel Number

Primary APN	`02-108674`
Alternative APN	`108674`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,290 sqft Total Area
Basement Area	790 sqft
Finished Basement	790 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,064 sqft (0.185 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	236 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	108674
Street Address	3603 BERTRAM DR
City	ABERDEEN
State	MD
Zip	21001-1250
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IBD
Legal Description	LOT 16 8064 SF 3603 BERTRAM DRIVE EAGLE'S REST PT 134/85
Legal Subdivision	REVISED FINAL PLAT TWO EAGLES REST
Legal Lot Number	16
Jurisdiction	HARFORD MD
Township / Civil Division	2, HALLS CROSS ROADS
Census Block Group	2
Census Block	2017
Census Tract	302200

Owner

Source: Harford County records, as of August 19, 2026

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 Record
Mailing Address	3603 BERTRAM DR, ABERDEEN, MD 21001-1250
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 14, 2017	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2015 · Amount on Record
Deed Sale	Apr 16, 2015 · Amount on Record
Prior Sale	Dec 11, 2014 · Amount on Record
Deed Book / Page	11195 / 42
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3603 BERTRAM DR, ABERDEEN, MD 21001-1250
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	BETTER LAWS TTL & SETTEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0145070382
Date	Feb 22, 2021
Book Page	14507/382

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3603 BERTRAM DR, ABERDEEN, MD 21001-1250
Document Number	0125730079
Book / Page	012573 / 000079
Instrument Date	Oct 14, 2017
Transaction Type	Mortgage
Record Updated	Nov 6, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3603 BERTRAM DR ABERDEEN MD 210011250, ABERDEEN, MD 21001-1250

Mortgage

Document Number	0125730079
Date	Oct 26, 2017
Book Page	012573/000079

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
Municipality	Aberdeen City
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		$560,300 (+7.23%) Land $135,000 Building $425,300	$560,300 (-) Land $135,000 Building $425,300
2025	Homeowner's exemption	$522,500 (+16.92%)	$560,300 (+25.37%) Land $135,000 Building $425,300
2023		$446,900 Land $135,000 Building $311,900	$446,900 Land $135,000 Building $311,900

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, 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	1 (2003)
Most Recent Claim	Feb 2003 · Snow

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 118 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

May also be available: T-Mobile.

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