3645 Cottage Ave, Baltimore, MD 21215 Property Records

Baltimore City property record for 3645 Cottage Ave, Baltimore, MD 21215

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	built 1920
Lot Size	0.053 acres (2,319 sqft)
Owner	Company Name on File
Last Sale	$48,500 (Jun 2019)
Tax Bill	$1,536 (2023)
Deeds & Mortgages	Oct 2020 Line of Credit Jun 2019 Sale & Construction Loan
APN	`15-32-3327F-093`

Property Details

APN / Parcel Number

Primary APN	`15-32-3327F-093`
Alternative APN	`323327F093`

Interior

Fireplace	Fireplace

Exterior

Year Built	Built 1920
Architectural Style	Conventional
Lot Area	2,319 sqft
Lot Dimensions	107 ft deep x 21 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	323327F093
Old Parcel Number	15323327F093
Street Address	3645 COTTAGE AVE
City	BALTIMORE
State	MD
Zip	21215-7725
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	R-6
Legal Description	21-8X107-5
Legal Section	32
Legal Subdivision	WARD 15 SEC 32
Legal Block	3327F
Legal Lot Number	93
Jurisdiction	BALTIMORE CITY MD
Township / Civil Division	BALTIMORE
Census Block Group	1
Census Block	1010
Census Tract	151200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Park Circle Historic District listed 2008 · 838 contributing resources · NRIS 08001124

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

3645 Cottage Ave, a residential property, is owned by a company that bought it in June 2019.

Source: Baltimore City records, as of September 4, 2023

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	Company Name on File
Mailing Address	3553 N SHARON AMITY RD STE 202, 202, CHARLOTTE, NC 28205-8992
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2020	Deed of Trust, Mortgage · Line of Credit FINANCE OF AMERICA COM'L LLC
Jun 5, 2019	Grant Deed, Transfer · Construction Mortgage FINANCE OF AMERICA COM'L LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2019 · Amount on File
Deed Sale	Jun 5, 2019 · Amount on File
Prior Sale	Oct 14, 2015 · Amount on File
Deed Document Number	333354
Deed Book / Page	21145 / 471
Record Updated	Jun 7, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE CITY MD
Property Address	3645 COTTAGE AVE, BALTIMORE, MD 21215-7725
Document Number	0225510408
Instrument Date	Oct 8, 2020
Transaction Type	Mortgage
Record Updated	Feb 1, 2021
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5711 KELYN HILLS DR CHARLOTTE NC 282788126, CHARLOTTE, NC 28278-8126

Mortgage

Document Number	0225510408
Date	Jan 19, 2021
Book Page	022551/000408

Lender

Name	FINANCE OF AMERICA COM'L LLC
Address	CHARLOTTE, NC 28210

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jan 18, 2022

Interest

Rate Type	Adjustable Rate

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BALTIMORE CITY MD
Recording Date	Jun 5, 2019
Property Address	3645 COTTAGE AVE, BALTIMORE, MD 21215-7725
Document Number	0211450471
Book / Page	021145 / 000471
Instrument Date	May 1, 2019
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	CLEAR TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$48.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3645 COTTAGE AVE BALTIMORE MD 212157725, BALTIMORE, MD 21215-7725

Mortgage

Document Number	211450476
Date	Jun 5, 2019
Book Page	021145/000476

Lender

Name	FINANCE OF AMERICA COM'L LLC
Address	CHARLOTTE, NC 28210

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 4, 2020

Tax Assessment & Valuation

Source: Baltimore City assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Maryland
Municipality	Baltimore City
Unified School District	Baltimore City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$1,536.00	$65,100 Land $12,000 Building $53,100	$65,100 Land $12,000 Building $53,100

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

Flood

FEMA has no flood map on file for 3645 Cottage Ave.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3645 Cottage Ave is low, with less than 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 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BALTIMORE serves 1,600,000 people · EPA ID MD0300002
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 E. coli resolved · Sep 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 795 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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