3734 Bay Dr, Middle River, MD 21220 Property Records

Baltimore County property record for 3734 Bay Dr, Middle River, MD 21220

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,048 sqft · built 2006
Lot Size	0.51 acres (22,200 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Jan 2022)
Tax Bill	$7,773 (2024)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2022 Sale & Mortgage + 1 more
APN	`15-1511771371`

Property Details

APN / Parcel Number

Primary APN	`15-1511771371`
Alternative APN	`1511771371`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,048 sqft Living Area
Gross Area	3,468 sqft
1st Floor Area	1,274 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	22,200 sqft (0.51 acres)
Lot Dimensions	300 ft deep x 74 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	428 sqft
Deck Area	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Water Source	Commercial

Location & Zoning

Account Number	1511771371
Street Address	3734 BAY DR
City	MIDDLE RIVER
State	MD
Zip	21220-4401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OPP LT 238 BOWLEYS QUARTERS
Legal Subdivision	BOWLEYS QUARTERS
Legal Block	2
Legal Lot Number	238
Jurisdiction	BALTIMORE MD
Township / Civil Division	15
Census Block Group	2
Census Block	2028
Census Tract	451802

Owner

3734 Bay Dr is owned and occupied by an individual who bought it in January 2022.

Source: Baltimore County records, as of July 14, 2025

Owner of Record	Individual Name on File
Mailing Address	3734 BAY DR, MIDDLE RIVER, MD 21220-4401
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 27, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 21, 2022	Deed, Transfer · FHA Mortgage ACRE MORTGAGE & FINANCIAL INC
Dec 9, 2020	Quit Claim Deed, Transfer CHARTER TITLE CORPORATION, CHARTER TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2022 · Amount on File
Deed Sale	Jan 21, 2022 · Amount on File
Prior Sale	Jan 9, 2007 · Amount on File
Deed Book / Page	46261 / 392
Prior Transfer Date	Nov 12, 2020
Prior Transfer Doc	0437610470
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	3734 BAY DR, MIDDLE RIVER, MD 21220-4401
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0440120001
Date	Jan 27, 2021
Book Page	44012/1

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BALTIMORE MD
Recording Date	Jan 21, 2022
Property Address	3734 BAY DR, MIDDLE RIVER, MD 21220-4401
Document Number	0462610392
Book / Page	46261 / 392
Instrument Date	Nov 19, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CERTIFIED TITLE, CERTIFIED TITLE CORP

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	3734 BAY DR, MIDDLE RIVER, MD 21220-4401

Mortgage

Document Number	0046261398
Date	Jan 21, 2022
Instrument	46261/398

Lender

Name	ACRE MORTGAGE & FINANCIAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2051

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BALTIMORE MD
Recording Date	Dec 9, 2020
Property Address	3734 BAY DR, MIDDLE RIVER, MD 21220-4401
Document Number	0437610470
Book / Page	043761 / 000470
Instrument Date	Nov 12, 2020
Transaction Type	Transfer
Record Updated	Jan 6, 2021
Title Company	CHARTER TITLE CORPORATION, CHARTER TITLE AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3734 BAY DR BALTIMORE MD 212204401, BALTIMORE, MD 21220-4401

Tax Assessment & Valuation

Source: Baltimore County assessment roll, as of July 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$531,167	$549,500 Land $140,200 Building $409,300
2024	$7,773.00 (+101.32%)
2023	$3,861.00	$494,500 Land $124,500 Building $370,000	$494,500 Land $124,500 Building $370,000

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 3734 Bay Dr; there have been 351 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 234 policies
Nearby Flood Policies	234 in force
Nearby Flood Claims	351 (1979–2024)
Claims Outside the SFHA	53 of 351
Most Recent Claim	Aug 2024 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 4 claims Hurricane Isabel, Sep 2003 · 224 claims

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 3734 Bay Dr is low, with a 0.02% 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	0.02% 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bay Dr

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