401 Cooley Mill Rd, Havre De Grace, MD 21078 Property Records

Harford County property record for 401 Cooley Mill Rd, Havre De Grace, MD 21078

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,142 sqft · built 1989
Lot Size	5.62 acres (244,807 sqft)
Owner	2 Individual Names on File
Last Sale	$840,000 (Jun 2026)
Tax Bill	$4,214 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-042738`

Property Details

APN / Parcel Number

Primary APN	`02-042738`
Alternative APNs	`2042738` `042738`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,142 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	244,807 sqft (5.62 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	042738
Street Address	401 COOLEY MILL RD
City	HAVRE DE GRACE
State	MD
Zip	21078-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LT 11 5.62 AC 401 COOLEY MILL ROAD LD BOYER MOLL PT 117/58
Legal Subdivision	LD BOYER & MOLL
Legal Lot Number	11
Jurisdiction	HARFORD MD
Township / Civil Division	2, HALLS CROSS ROADS
Census Block Group	2
Census Block	2006
Census Tract	302100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lower Deer Creek Valley Historic District listed 1993 · 275 contributing resources · NRIS 93001143

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

401 Cooley Mill Rd is owned and occupied by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	401 COOLEY MILL RD, HAVRE DE GRACE, MD 21078-1319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 9, 2025	Deed of Trust, Mortgage · Line of Credit HAR CO CU
Jun 5, 2026	Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Nov 23, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage HAR CO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2026 · Amount on File
Deed Sale	Jun 5, 2026 · Amount on File
Prior Sale	Mar 1, 1988 · Amount on File
Deed Book / Page	17155 / 222
Prior Transfer Date	Nov 9, 2020
Prior Transfer Doc	0142840071
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	401 COOLEY MILL RD, HAVRE DE GRACE, MD 21078-1319
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0167980499
Date	Sep 9, 2025
Book Page	16798/499

Lender

Name	HAR CO CU
Type	Credit Union
Address	BEL AIR, MD 21014

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 8, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 5, 2026
Property Address	401 COOLEY MILL RD, HAVRE DE GRACE, MD 21078-1319
Document Number	0171550222
Book / Page	17155 / 222
Instrument Date	Jun 1, 2026
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	FIRST AMERICAN TITLE, FIRST COMMUNITY MORTGAGE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$848,400.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	401 COOLEY MILL RD, HAVRE DE GRACE, MD 21078-1319

Mortgage

Document Number	1715000227,
Date	Jun 5, 2026
Book Page	17155/227

Lender

Name	FIRST COMMUNITY MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	Nov 23, 2020
Property Address	401 COOLEY MILL RD, HAVRE DE GRACE, MD 21078-1319
Document Number	0142840071
Book / Page	14284 / 71
Map Reference	MB CGH 77 FO 17
Instrument Date	Nov 9, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	KEY TITLEINC

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
Relationship	Tenants in Severalty
Address	401 COOLEY MILL RD, HAVRE DE GRACE, MD 21078-1319

Mortgage

Document Number	0001428479
Date	Nov 23, 2020
Instrument	14284/79

Lender

Name	HAR CO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 401 Cooley Mill Rd was $4,214, up 13.5% 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	$4,214.00 (+13.49%)	$381,200 (+5.77%) Land $128,100 Building $253,100	$381,200 (-) Land $128,100 Building $253,100
2025	$3,713.00 Homeowner's exemption	$360,400	$381,200 Land $128,100 Building $253,100
2023		$318,800 Land $128,100 Building $190,700	$318,800 Land $128,100 Building $190,700
2022	$3,465.00

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 401 Cooley Mill 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 401 Cooley Mill Rd is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Cooley Mill Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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