3654 Ady Rd, Street, MD 21154 Property Records

Harford County property record for 3654 Ady Rd, Street, MD 21154

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,052 sqft · built 1987
Lot Size	2.01 acres (87,556 sqft)
Owner	Individual Name on File
Last Sale	$575,000 (Jan 2021)
Tax Bill	$5,380 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jun 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`05-047048`

Property Details

APN / Parcel Number

Primary APN	`05-047048`
Alternative APNs	`5047048` `047048`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,052 sqft Total Area
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	87,556 sqft (2.01 acres)
Garage Type	Mixed
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	112 sqft
Deck Area	552 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	047048
Street Address	3654 ADY RD
City	STREET
State	MD
Zip	21154-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LT 3 2.09 AC 3654 ADY ROAD HUNTER NORTH P 52/18
Legal Subdivision	HUNTER NORTH 52 18 78 60
Legal Lot Number	3
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	4
Census Block	4000
Census Tract	305100

Owner

3654 Ady Rd is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3654 ADY RD, STREET, MD 21154-1434
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
Jan 8, 2021	Deed, Transfer · Conventional Mortgage CONTOUR MORTGAGE CORP
Jun 15, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2021 · Amount on File
Deed Sale	Jan 8, 2021 · Amount on File
Prior Sale	Jun 15, 2020 · Amount on File
Deed Book / Page	14391 / 478
Transfer Doc	0000000019
Record Updated	Oct 29, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jan 8, 2021
Property Address	3654 ADY RD, STREET, MD 21154-1434
Document Number	0143910478
Book / Page	14391 / 478
Map Reference	MB HDC52 FO 18
Instrument Date	Dec 17, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	LAWYERS EXPRESS TITLE LCL

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 in Severalty
Address	3654 ADV ROAD, STREET, MD 21154-1434

Mortgage

Document Number	0014391484
Date	Jan 8, 2021
Instrument	14391/484

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 15, 2020
Property Address	3654 ADY RD, STREET, MD 21154-1434
Document Number	0139130047
Book / Page	013913 / 000047
Instrument Date	Jun 2, 2020
Transaction Type	Transfer
Record Updated	Jul 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$165.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3654 ADY RD STREET MD 211541434, STREET, MD 21154-1434

Tax Assessment & Valuation

The 2026 property tax bill for 3654 Ady Rd was $5,380, up 16.2% from the year before.

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	$5,380.00 (+16.22%)	$488,167	$522,600 Land $120,000 Building $402,600
2025	$4,629.00
2023		$388,000	$419,300 Land $120,000 Building $299,300
2022	$3,947.00

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

Flood

FEMA maps place 3654 Ady Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1987.

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	1 in force
Nearby Flood Claims	1 (1987)
Most Recent Claim	Sep 1987 · 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

Wildfire risk around 3654 Ady Rd 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	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

May also be available: IQ Fiber, Verizon.

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