3605 Ady Rd, Street, MD 21154 Property Records

Harford County property record for 3605 Ady Rd, Street, MD 21154

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,312 sqft · built 1980
Lot Size	2.91 acres (126,760 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Aug 1983)
Tax Bill	$4,174 (2026)
Deeds & Mortgages	Apr 2018 Reverse Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-021863`

Property Details

APN / Parcel Number

Primary APN	`05-021863`
Alternative APNs	`5021863` `021863`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,312 sqft Total Area
Basement Area	792 sqft
Finished Basement	792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	126,760 sqft (2.91 acres)
Porch	Slab
Porch Area	120 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	021863
Street Address	3605 ADY RD
City	STREET
State	MD
Zip	21154-1433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LT 2 2.91 ACRES 3605 ADY ROAD LD J J WRIGHT PT 42/120
Legal Subdivision	WRIGHT J J
Legal Lot Number	2
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	3
Census Block	3015
Census Tract	305100

Owner

Source: Harford County records, as of August 25, 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	3605 ADY RD, STREET, MD 21154-1433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2018	Deed of Trust, Mortgage · Reverse Mortgage HURON VALLEY FINANCIAL INC
Mar 16, 2018	Deed of Trust, Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 1983 · Amount on Record
Deed Sale	Aug 31, 1983 · Amount on Record
Deed Book / Page	1199 / 637
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3605 ADY RD, STREET, MD 21154-1433
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0127630130
Date	Apr 4, 2018
Book Page	12763/0130

Lender

Name	HURON VALLEY FINANCIAL INC
Type	Mortgage Company
Address	ANN ARBOR, MI 48103

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	871 Months
Due	Nov 26, 2090

Interest

Rate Type	Adjustable Rate
Rate	5.17%
Type Change Date	Apr 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3605 ADY RD, STREET, MD 21154-1433
Document Number	0127630154
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3605 ADY RD STREET MD 211541433, STREET, MD 21154-1433

Mortgage

Document Number	0127630154
Date	Apr 4, 2018
Book Page	012763/000154

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	WASHINGTON, DC 20410

Agreement

Amount	Amount Recorded
Term	864 Months
Due	Apr 3, 2090

Interest

Rate Type	Adjustable Rate
Rate	5.17%

Tax Assessment & Valuation

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	$4,174.00 (+37.17%) Homeowner's exemption	$377,533 (+16.71%)	$399,500 (+19.75%) Land $124,500 Building $275,000
2025	$3,043.00 (-12.43%) Homeowner's exemption
2023		$323,467	$333,600 Land $124,500 Building $209,100
2022	$3,475.00

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	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

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 and 4G LTE (outdoors only)

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