3901 Rocks Rd, Street, MD 21154 Property Records

Harford County property record for 3901 Rocks Rd, Street, MD 21154

Property Summary

Property Type	Single Family Home
Details	3 ba · 6,540 sqft · built 1920
Lot Size	2.29 acres (99,752 sqft)
Owner	2 Individual Names on File
Last Sale	$1,000,000 (Dec 2024)
Tax Bill	$4,895 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-043921`

Property Details

APN / Parcel Number

Primary APN	`05-043921`
Alternative APNs	`5043921` `043921`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	6,540 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	99,752 sqft (2.29 acres)
Porch	Slab
Porch Area	480 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	043921
Street Address	3901 ROCKS RD
City	STREET
State	MD
Zip	21154-1220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LT 4 2.299 AC 3901 ROCKS ROAD LD L MANKOWSKI PT 46/127
Legal Subdivision	LD MANKOWSKI L 46 127
Legal Lot Number	4
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	4
Census Block	4006
Census Tract	305100

Owner

3901 Rocks Rd is owned and occupied by two individuals who bought it in December 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	3901 ROCKS RD, STREET, MD 21154-1220
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 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 16, 2019	Grant Deed, Transfer · Conventional with PMI FELLOWSHIP HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2024 · Amount on File
Deed Sale	Dec 10, 2024 · Amount on File
Prior Sale	Jan 28, 2002 · Amount on File
Deed Book / Page	16487 / 254
Prior Transfer Date	Aug 26, 2019
Prior Transfer Doc	0134950389
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3901 ROCKS RD, STREET, MD 21154-1220
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	UNKNOWN, TOWNSGATE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3901 ROCKS RD, STREET, MD 21154-1220

Mortgage

Document Number	0169680138
Date	Jan 14, 2026
Book Page	16968/138

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2046

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Oct 16, 2019
Property Address	3901 ROCKS RD, STREET, MD 21154-1220
Document Number	0134950389
Book / Page	013495 / 000389
Instrument Date	Aug 26, 2019
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	QUICK CLOSE SERVICES INC, QUICK CLOSE SVCS INC

Transaction

Amount	Amount on Record
Tax	$72.50
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3901 ROCKS RD STREET MD 211541220, STREET, MD 21154-1220

Mortgage

Document Number	134950393
Date	Oct 16, 2019
Book Page	013495/000393

Lender

Name	FELLOWSHIP HM LOANS
Address	MELVILLE, NY 11747

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 3901 Rocks Rd was $4,895, up 13.2% 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	$4,895.00 (+13.21%)	$443,633 (+6.27%)	$469,800 (-) Land $121,400 Building $348,400
2025	$4,324.00	$417,467	$469,800 Land $121,400 Building $348,400
2023		$380,567	$391,300 Land $121,400 Building $269,900
2022	$4,090.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3901 Rocks Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1987)
Most Recent Claim	Sep 1987 · 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 3901 Rocks Rd 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 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 8 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: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Rocks Rd

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