3709 Ady Rd, Street, MD 21154 Property Records

Harford County property record for 3709 Ady Rd, Street, MD 21154

Property Summary

Property Type	Rural Home
Details	2 ba · 1,831 sqft · built 2001
Lot Size	29.7 acres (1,294,603 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Mar 2000)
Tax Bill	$9,194 (2026)
Deeds & Mortgages	Jul 2019 Line of Credit Aug 2002 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-056357`

Property Details

APN / Parcel Number

Primary APN	`05-056357`
Alternative APNs	`5056357` `056357`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	1 Story
Building Area	1,831 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,294,603 sqft (29.7 acres)
Garage Type	Mixed
Garage Area	1,552 sqft
Parking Spaces	5 Parking Spaces
Deck Area	180 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	056357
Street Address	3709 ADY RD
City	STREET
State	MD
Zip	21154-1431
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AG
Legal Description	PAR B 29.72 AC 3709 & 3711 ADY ROAD LDS H ENFIELD PT 84/85
Legal Subdivision	LD ENFIELD H
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	3
Census Block	3014
Census Tract	305100

Owner

3709 Ady Rd, a rural home, is owned and occupied by two individuals who bought it in March 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	3711 ADY RD, STREET, MD 21154-1431
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
Jul 26, 2019	Deed of Trust, Mortgage · Line of Credit MANUFACTURES AND TRADERS TRUST COMPANY
Aug 5, 2002	Deed of Trust, Mortgage · Line of Credit ROSEDALE FED'L S&L ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2000 · Amount on File
Deed Sale	Mar 17, 2000 · Amount on File
Deed Document Number	2000253
Deed Book / Page	3224 / 153
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3709 ADY RD, STREET, MD 21154-1431
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0133620318
Date	Jul 26, 2019
Book Page	13362/0318

Lender

Name	MANUFACTURES AND TRADERS TRUST COMPANY
Type	Non-Lending Institution
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2002: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3709 ADY RD, STREET, MD 21154-1431
Document Number	0133660259
Instrument Date	Aug 5, 2002
Transaction Type	Mortgage
Record Updated	Aug 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3711 ADY RD STREET MD 211541431, STREET, MD 21154-1431

Mortgage

Document Number	0133660259
Date	Jul 30, 2019
Book Page	013366/000259

Lender

Name	ROSEDALE FED'L S&L ASSN
Type	Federal Savings Bank
Address	BALTIMORE, MD 21206

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	18%

Tax Assessment & Valuation

The 2026 property tax bill for 3709 Ady Rd was $9,194 with a homeowner's exemption, up 24.2% 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	$9,194.00 (+24.19%) Homeowner's exemption	$838,133	$920,300 Land $159,100 Building $761,200
2025	$7,403.00 Homeowner's exemption
2023		$644,000	$673,800 Land $159,100 Building $514,700
2022	$6,754.00

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

Flood

FEMA maps place 3709 Ady Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1984.

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

Wildfire risk around 3709 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ady Rd

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