3811 Bay Dr, Middle River, MD 21220 Property Records

Baltimore County property record for 3811 Bay Dr, Middle River, MD 21220

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,040 sqft · built 2004
Lot Size	0.285 acres (12,400 sqft)
Owner	Individual Name on File
Last Sale	$474,000 (May 2020)
Tax Bill	$8,087 (2024)
Deeds & Mortgages	Apr 2021 Transfer May 2020 Sale + 2 more
APN	`15-1526000220`

Property Details

APN / Parcel Number

Primary APN	`15-1526000220`
Alternative APN	`1526000220`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,040 sqft Living Area
Gross Area	2,520 sqft
1st Floor Area	1,020 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,400 sqft (0.285 acres)
Lot Dimensions	249 ft deep x 50 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	1526000220
Street Address	3811 BAY DR
City	MIDDLE RIVER
State	MD
Zip	21220-4407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 243 2ND ADDN BOWLEYS QUARTERS
Legal Subdivision	BOWLEYS QUARTERS
Legal Block	2
Legal Lot Number	243
Jurisdiction	BALTIMORE MD
Township / Civil Division	15
Census Block Group	2
Census Block	2023
Census Tract	451802

Owner

3811 Bay Dr is owned and occupied by an individual who acquired it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3811 BAY DR, MIDDLE RIVER, MD 21220-4407
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
Apr 16, 2021	Intrafamily Transfer, Transfer
May 18, 2020	Grant Deed, Transfer TERRAIN TITLE ESCROW COMPANY LLC, TERRAIN TITLE ESCROW CO LLC
Jun 7, 2018	Grant Deed, Transfer COMMERCIAL TITLE COMPANY, COMMERCIAL TITLE CO.
May 29, 2018	Loan Modification, Mortgage · Conventional with PMI OCWEN LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2020 · Amount on File
Deed Sale	May 18, 2020 · Amount on File
Prior Sale	Jan 3, 1973 · Amount on File
Deed Book / Page	42846 / 336
Last Transfer Date	Feb 3, 2021
Transfer Doc	0445080482
Record Updated	Jun 8, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BALTIMORE MD
Recording Date	Apr 16, 2021
Property Address	3811 BAY DR, MIDDLE RIVER, MD 21220-4407
Document Number	0445080482
Book / Page	44508 / 482
Map Reference	MB 8 FO 73
Instrument Date	Feb 3, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3811 BAY DR, MIDDLE RIVER, MD 21220-4407

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BALTIMORE MD
Recording Date	May 18, 2020
Property Address	3811 BAY DR, MIDDLE RIVER, MD 21220-4407
Document Number	0428460336
Book / Page	042846 / 000336
Instrument Date	Mar 11, 2020
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	TERRAIN TITLE ESCROW COMPANY LLC, TERRAIN TITLE ESCROW CO LLC

Transaction

Amount	Amount on Record
Tax	$474.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3811 BAY DR MIDDLE RIVER MD 212204407, MIDDLE RIVER, MD 21220-4407

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BALTIMORE MD
Recording Date	Jun 7, 2018
Property Address	3811 BAY DR, MIDDLE RIVER, MD 21220-4407
Document Number	0403290340
Book / Page	040329 / 000340
Instrument Date	May 31, 2018
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	COMMERCIAL TITLE COMPANY, COMMERCIAL TITLE CO.

Transaction

Amount	Amount on Record
Tax	$80.25
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3809 BAY DR BALTIMORE MD 212204407, BALTIMORE, MD 21220-4407

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BALTIMORE MD
Property Address	3811 BAY DR, MIDDLE RIVER, MD 21220-4407
Document Number	0403290343
Instrument Date	May 29, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	COMMERCIAL TITLE COMPANY, COMMERCIAL TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3811 BAY DR MIDDLE RIVER MD 212204407, MIDDLE RIVER, MD 21220-4407

Mortgage

Document Number	0403290343
Date	Jun 7, 2018
Book Page	040329/000343

Lender

Name	OCWEN LN SERVICING
Type	Funding / Finance Company
Address	FLINT, MI 48501-2026

Agreement

Type	Conventional with PMI
Amount	Amount on Record

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		$633,600	$690,100 Land $395,400 Building $294,700
2024	$8,087.00 (+118.92%)
2023	$3,694.00	$520,600 Land $262,100 Building $258,500	$520,600 Land $262,100 Building $258,500

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 3811 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 3811 Bay Dr 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 99.1% of the US · lower than 98.5% 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bay Dr

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