3821 Clarks Point Rd, Middle River, MD 21220 Property Records

Baltimore County property record for 3821 Clarks Point Rd, Middle River, MD 21220

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,968 sqft · built 1937
Lot Size	0.355 acres (15,500 sqft)
Owner	Individual Name on Record
Last Sale	$495,000 (Aug 2019)
Tax Bill	$3,114 (2023)
Deeds & Mortgages	Jun 2023 Line of Credit Aug 2019 Sale & Mortgage
APN	`15-1501890010`

Property Details

APN / Parcel Number

Primary APN	`15-1501890010`
Alternative APN	`1501890010`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,968 sqft Total Area
1st Floor Area	1,032 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,500 sqft (0.355 acres)
Lot Width	50 ft Width
Garage Type	Mixed
Garage Area	1,200 sqft
Parking Spaces	4 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	912 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	1501890010
Street Address	3821 CLARKS POINT RD
City	MIDDLE RIVER
State	MD
Zip	21220-4003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3821 CLARKS POINT RD BOWLEYS QUARTERS
Legal Subdivision	BOWLEYS QUARTERS
Legal Lot Number	18
Jurisdiction	BALTIMORE MD
Township / Civil Division	15
Census Block Group	2
Census Block	2015
Census Tract	451802

Owner

Source: Baltimore County records, as of September 22, 2023

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3821 CLARKS POINT RD, MIDDLE RIVER, MD 21220-4003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 26, 2019	Deed, Transfer · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2019 · Amount on Record
Deed Sale	Aug 26, 2019 · Amount on Record
Prior Sale	Dec 29, 2006
Deed Document Number	0004179977
Deed Book / Page	41799 / 77
Record Updated	Jun 7, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	3821 CLARKS POINT RD, MIDDLE RIVER, MD 21220-4003
Transaction Type	Mortgage
Record Updated	Jun 28, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3821 CLARKS POINT RD, MIDDLE RIVER, MD 21220-4003

Mortgage

Document Number	0481330018
Date	Jun 14, 2023
Book Page	48133/18

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Apr 26, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BALTIMORE MD
Recording Date	Aug 26, 2019
Property Address	3821 CLARKS POINT RD, MIDDLE RIVER, MD 21220-4003
Document Number	0417990077
Book / Page	41799 / 077
Map Reference	MB WPC7 FO 13
Instrument Date	Jun 26, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ENDEAVOR TITLE LLC

Transaction

Amount	Amount Recorded
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
Address	3821 CLARKS POINT RD, MIDDLE RIVER, MD 21220-4003

Mortgage

Document Number	0004179984
Date	Aug 26, 2019
Instrument	41799/84

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Baltimore County assessment roll, as of July 1, 2023

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
2023	$3,114.00 Homeowner's exemption	$486,700 Land $262,800 Building $223,900	$486,700 Land $262,800 Building $223,900

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Not rated no burnable land within 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 206 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

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