3609 Urmia Dr, Aberdeen, MD 21001 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,603 sqft · built 2021
Lot Size	0.198 acres (8,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$462,427 (Mar 2021)
Tax Bill	$5,508 (2026)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Aug 2020 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-109581`

Property Details

APN / Parcel Number

Primary APN	`02-109581`
Alternative APN	`109581`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,603 sqft Total Area
Basement Area	875 sqft
Finished Basement	875 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,621 sqft (0.198 acres)
Garage Type	Mixed
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	109581
Street Address	3609 URMIA DR
City	ABERDEEN
State	MD
Zip	21001-1263
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	1BD
Legal Description	LOT 100 8621 SF 3609 URMIA DRIVE EAGLE'S REST PT 134/90
Legal Subdivision	EAGLES REST
Legal Lot Number	100
Jurisdiction	HARFORD MD
Township / Civil Division	2, HALLS CROSS ROADS
Census Block Group	2
Census Block	2016
Census Tract	302200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3609 URMIA DR, ABERDEEN, MD 21001-1263
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed, Subdivision Related Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Aug 14, 2020	Grant Deed, Construction Loan STEWART TITLE, STEWART TITLE & ESCROW INC
May 13, 2020	Deed of Trust, Mortgage · Line of Credit RIGGS LLC
Sep 5, 2018	Grant Deed, Mortgage PEOPLES BK
Apr 26, 2018	Grant Deed, Transfer SAGE BARTOL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2021 · Amount on Record
Deed Sale	Mar 8, 2021 · Amount on Record
Prior Sale	Aug 14, 2020 · Amount on Record
Deed Book / Page	14553 / 453
Record Updated	Oct 29, 2026

March 2021: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Mar 8, 2021
Property Address	3609 URMIA DR, ABERDEEN, MD 21001-1263
Document Number	0145530453
Book / Page	14553 / 453
Map Reference	MB 134 FO 90
Instrument Date	Jan 26, 2021
Transaction Type	Subdivision Related Transfer
Record Updated	May 3, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount Recorded
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 URMIA DR, ABERDEEN, MD 21001-1263

Mortgage

Document Number	0014553460
Date	Mar 8, 2021
Instrument	14553/460

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

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

August 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 14, 2020
Property Address	3609 URMIA DR, ABERDEEN, MD 21001-1263
Document Number	0140390281
Book / Page	014039 / 000281
Instrument Date	Aug 6, 2020
Transaction Type	Construction Loan
Record Updated	Sep 4, 2020
Title Company	STEWART TITLE, STEWART TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$1,000.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6250 OLD DOBBIN LN #160 COLUMBIA MD 210454758, 160, COLUMBIA, MD 21045-4758
Investor	Possibly a Property Investor

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3609 URMIA DR, ABERDEEN, MD 21001-1263
Document Number	0140730064
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Oct 1, 2020
Title Company	RESIDENTIAL TITLE AND ESCROW INC, RESIDENTIAL TITLE & ESCROW INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1777 REISTERSTOWN RD BALTIMORE MD 212081313, BALTIMORE, MD 21208-1313

Mortgage

Document Number	0140730064
Date	Aug 31, 2020
Book Page	014073/000064

Lender

Name	RIGGS LLC
Address	7 HILLCHASE CT, BALTIMORE, MD 21208-6306

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Sep 5, 2018
Property Address	3609 URMIA DR, ABERDEEN, MD 21001-1263
Document Number	0129690406
Book / Page	012969 / 000406
Instrument Date	Aug 23, 2018
Transaction Type	Mortgage
Record Updated	Sep 14, 2018
Title Company	RESIDENTIAL TITLE AND ESCROW INC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6807 PARK HEIGHTS AVE #100 BALTIMORE MD 212151698, 100, BALTIMORE, MD 21215-1698
Investor	Possibly a Property Investor

Mortgage

Document Number	129690406
Date	Sep 5, 2018
Book Page	012969/000406

Lender

Name	PEOPLES BK
Type	Bank
Address	105 LEADERS HEIGHTS RD, YORK, PA 17403-5137

Agreement

Amount	Amount Recorded

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Apr 26, 2018
Property Address	3609 URMIA DR, ABERDEEN, MD 21001-1263
Document Number	0127960198
Book / Page	012796 / 000198
Instrument Date	Mar 23, 2018
Transaction Type	Transfer
Record Updated	May 8, 2018
Title Company	RESIDENTIAL TITLE AND ESCROW INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6807 PARK HEIGHTS AVE #100 BALTIMORE MD 212151698, 100, BALTIMORE, MD 21215-1698
Investor	Possibly a Property Investor

Mortgage

Document Number	127960204
Date	Apr 26, 2018
Book Page	012796/000204

Lender

Name	SAGE BARTOL LLC

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Apr 25, 2019

Tax Assessment & Valuation

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	$5,508.00 (+16.18%) Homeowner's exemption	$577,800 (+22.31%) Land $135,100 Building $442,700	$577,800 (+22.31%) Land $135,100 Building $442,700
2025	$4,741.00 (+5.29%) Homeowner's exemption
2023		$472,400 Land $135,100 Building $337,300	$472,400 Land $135,100 Building $337,300
2022	$4,503.00

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	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	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 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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