3609 Bertram Dr, Aberdeen, MD 21001 Property Records

Harford County property record for 3609 Bertram Dr, Aberdeen, MD 21001

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,588 sqft · built 2015
Lot Size	0.185 acres (8,064 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Aug 2021)
Tax Bill	$5,656 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-108704`

Property Details

APN / Parcel Number

Primary APN	`02-108704`
Alternative APN	`108704`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,588 sqft Total Area
Basement Area	830 sqft
Finished Basement	830 sqft

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

Exterior Amenities

Porch	Slab
Porch Area	134 sqft
Deck Area	192 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	108704
Street Address	3609 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 19 8064 SF 3609 BERTRAM DRIVE EAGLE'S REST PT 134/85
Legal Subdivision	REVISED FINAL PLAT TWO EAGLES REST
Legal Lot Number	19
Jurisdiction	HARFORD MD
Township / Civil Division	2, HALLS CROSS ROADS
Census Block Group	2
Census Block	2017
Census Tract	302200

Owner

3609 Bertram Dr is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3609 BERTRAM DR, ABERDEEN, MD 21001-1250
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
Aug 1, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Dec 14, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 26, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Aug 2, 2021	Deed, Transfer · Conventional Mortgage MERIDIAN BANK
Jan 23, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2021 · Amount on File
Deed Sale	Aug 2, 2021 · Amount on File
Prior Sale	Jul 16, 2015 · Amount on File
Deed Book / Page	14930 / 314
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3609 BERTRAM DR, ABERDEEN, MD 21001-1250
Transaction Type	Mortgage
Record Updated	Aug 9, 2023
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 BERTRAM DR, ABERDEEN, MD 21001-1250

Mortgage

Document Number	0159860181
Date	Aug 1, 2023
Book Page	15986/181

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3609 BERTRAM DR, ABERDEEN, MD 21001-1250
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	BETTERS LAW TTL & STLMT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0143330298
Date	Dec 14, 2020
Book Page	14333/298

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2050

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3609 BERTRAM DR, ABERDEEN, MD 21001-1250
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0154840030
Date	Apr 26, 2022
Book Page	15484/30

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 2, 2021
Property Address	3609 BERTRAM DR, ABERDEEN, MD 21001-1250
Document Number	0149300314
Book / Page	14930 / 314
Map Reference	MB JJR 134 FO 85
Instrument Date	Jun 25, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	MAIN STREET TITLE OKC LLC, MAIN STREET TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Tenants by the Entirety
Address	3609 BERTRAM DR, ABERDEEN, MD 21001-1250

Mortgage

Document Number	0014930318
Date	Aug 2, 2021
Instrument	14930/318

Lender

Name	MERIDIAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3609 BERTRAM DR, ABERDEEN, MD 21001-1250
Document Number	0136850451
Instrument Date	Jan 23, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3609 BERTRAM DR ABERDEEN MD 210011250, ABERDEEN, MD 21001-1250

Mortgage

Document Number	0136850451
Date	Feb 11, 2020
Book Page	013685/000451

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 10, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3609 Bertram Dr was $5,656 with a homeowner's exemption, up 28.1% from the year before.

Source: Harford County assessment roll, as of August 25, 2026

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	$5,656.00 (+28.08%) Homeowner's exemption	$593,400 (+9.51%) Land $135,000 Building $458,400	$593,400 (-) Land $135,000 Building $458,400
2025	$4,416.00 Homeowner's exemption	$541,867	$593,400 Land $135,000 Building $458,400
2023		$438,800 Land $135,000 Building $303,800	$438,800 Land $135,000 Building $303,800
2022	$4,100.00

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

Flood

FEMA maps place 3609 Bertram Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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

Wildfire risk around 3609 Bertram Dr 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	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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