Harford County property record for 3945 Prospect Rd, Street, MD 21154
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,671 sqft · built 1972 |
| Lot Size | 7.1 acres (309,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Apr 2024) |
| Tax Bill | $2,117 (2026) |
| Deeds & Mortgages | Dec 2025 Line of Credit Apr 2024 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-010713 |
| Primary APN | 05-010713 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 3,671 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 309,276 sqft (7.1 acres) |
| Garage Type | Mixed |
| Garage Area | 1,024 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 576 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 81 sqft |
| Deck Area | 360 sqft |
| Patio Area | 448 sqft |
| Shed | 1 Shed |
| Shed Area | 1,200 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 010713 |
|---|---|
| Street Address | 3945 PROSPECT RD |
| City | STREET |
| State | MD |
| Zip | 21154-1515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | 7.10 ACRES 3945 PROSPECT ROAD S OF PROSPECT |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 5, DUBLIN |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 305100 |
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 | 3945 PROSPECT RD, STREET, MD 21154-1515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 9, 2025 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Apr 4, 2024 | Deed, Transfer |
| Apr 4, 2024 | Gift Deed, Transfer |
| Jan 25, 2022 | Deed of Trust, Mortgage · Line of Credit ARTISANS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2024 · Amount on Record |
| Deed Sale | Apr 4, 2024 · Amount on Record |
| Deed Book / Page | 16221 / 10 |
| Prior Transfer Date | Dec 19, 2023 |
| Prior Transfer Doc | 0162210004 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 3945 PROSPECT RD, STREET, MD 21154-1515 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2025 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 3945 PROSPECT RD, STREET, MD 21154-1515 |
| Document Number | 0169230093 |
|---|---|
| Date | Dec 9, 2025 |
| Book Page | 16923/93 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Apr 4, 2024 |
| Property Address | 3945 PROSPECT RD, STREET, MD 21154-1515 |
| Document Number | 0162210010 |
| Book / Page | 16221 / 10 |
| Instrument Date | Dec 28, 2023 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,000.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3945 PROSPECT RD, STREET, MD 21154-1515 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Apr 4, 2024 |
| Property Address | 3945 PROSPECT RD, STREET, MD 21154-1515 |
| Document Number | 0162210004 |
| Book / Page | 16221 / 4 |
| Instrument Date | Dec 19, 2023 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3945 PROSPECT RD, STREET, MD 21154-1515 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 3945 PROSPECT RD, STREET, MD 21154-1515 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3945 PROSPECT RD, STREET, MD 21154-1515 |
| Document Number | 0153270400 |
|---|---|
| Date | Jan 25, 2022 |
| Book Page | 15327/400 |
| Name | ARTISANS BANK |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,117.00 (-61.43%) | $188,767 (-64.93%) | $195,500 (-68.4%) Land $150,500 Building $45,000 |
| 2025 | $5,489.00 (+8.26%) | $538,333 (+12.39%) | $618,600 (+24.17%) Land $150,500 Building $468,100 |
| 2023 | $478,967 | $498,200 Land $140,500 Building $357,700 | |
| 2022 | $5,070.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| 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.
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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 13 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: IQ Fiber.
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