3740 Prospect Rd, Street, MD 21154 Property Records

Harford County property record for 3740 Prospect Rd, Street, MD 21154

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,248 sqft · built 1983
Lot Size	0.666 acres (29,010 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,900 (Dec 2017)
Tax Bill	$3,537 (2026)
Deeds & Mortgages	May 2026 Line of Credit Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-043158`

Property Details

APN / Parcel Number

Primary APN	`05-043158`
Alternative APNs	`5043158` `043158`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,248 sqft Total Area
Basement Area	925 sqft
Finished Basement	925 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	29,010 sqft (0.666 acres)
Garage Type	Basement
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	043158
Street Address	3740 PROSPECT RD
City	STREET
State	MD
Zip	21154-1514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 0.666 AC 3740 PROSPECT ROAD E OF STREET
Legal Subdivision	ROCKY RIDGE FARMS
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	3
Census Block	3002
Census Tract	305100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3740 PROSPECT RD, STREET, MD 21154-1514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 2, 2021	Correction Deed · Conventional Mortgage SWBC MORTGAGE CORP
Dec 6, 2017	Deed, Transfer · Conventional Mortgage NEW PENN FINANCIAL LLC
Jul 17, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2017 · Amount on Record
Deed Sale	Dec 6, 2017 · Amount on Record
Prior Sale	Jul 17, 2017 · Amount on Record
Deed Document Number	201712627-0061
Deed Book / Page	12627 / 61
Last Transfer Date	Jan 19, 2021
Transfer Doc	0147930400
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Recording Date	May 21, 2026
Property Address	3740 PROSPECT RD, STREET, MD 21154-1514
Document Number	1713000428
Book / Page	17131 / 428
Instrument Date	Apr 23, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3740 PROSPECT RD, STREET, MD 21154-1514

Mortgage

Document Number	1713000428,
Date	May 21, 2026
Book Page	17131/428

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 19, 2041

Interest

Rate	5.75%
Max Rate	-1%

June 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 2, 2021
Property Address	3740 PROSPECT RD, STREET, MD 21154-1514
Document Number	0147930400
Book / Page	14793 / 400
Instrument Date	Jan 19, 2021
Record Updated	Aug 11, 2022
Title Company	SANCTUARY TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3740 PROSPECT RD, STREET, MD 21154-1514

Mortgage

Document Number	0014793404
Date	Jun 2, 2021
Instrument	14793/404

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Feb 1, 2051

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Dec 6, 2017
Property Address	3740 PROSPECT RD, STREET, MD 21154-1514
Document Number	0126270061
Book / Page	12627 / 0061
Instrument Date	Nov 16, 2017
Instrument	12627-0061
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	PROPERTY TITLE & ESCOW LLC

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3740 PROSPECT RD, STREET, MD 21154-1514

Mortgage

Document Number	0126270068
Date	Dec 6, 2017
Instrument	12627-0068

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Jul 17, 2017
Property Address	3740 PROSPECT RD, STREET, MD 21154-1514
Document Number	0124300096
Book / Page	012430 / 000096
Instrument Date	Jun 30, 2017
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$123.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3740 PROSPECT RD
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$3,537.00 (+15.89%)	$319,067 (+7.49%)	$341,300 (-) Land $105,300 Building $236,000
2025	$3,052.00 (+7.58%)	$296,833 (+12.13%)	$341,300 (+24.29%) Land $105,300 Building $236,000
2023		$264,733	$274,600 Land $95,200 Building $179,400
2022	$2,837.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 85% 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.

Internet Providers

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

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	1,000 / 1,000
Armstrong Cable	1,000 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Prospect Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures