Harford County property record for 401 Oak St, Edgewood, MD 21040
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 960 sqft · built 1940 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $289,900 (Sep 2022) |
| Tax Bill | $3,032 (2026) |
| Deeds & Mortgages | Feb 2024 Mortgage Sep 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-038133 |
| Primary APN | 01-038133 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 960 sqft Total Area |
| Basement Area | 720 sqft |
| Finished Basement | 720 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 15,000 sqft (0.344 acres) |
| Lot Dimensions | 200 ft deep x 75 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 038133 |
|---|---|
| Street Address | 401 OAK ST |
| City | EDGEWOOD |
| State | MD |
| Zip | 21040-3323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 11 PO 10 75X200 401 OAK STREET EDGEWOOD |
| Legal Subdivision | EDGEWOOD |
| Legal Lot Number | 11 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 301602 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 401 OAK ST, EDGEWOOD, MD 21040-3323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 16, 2024 | Deed of Trust, Mortgage · FHA Mortgage SERVICEMAC LLC |
| Sep 7, 2022 | Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Feb 22, 2022 | Deed, Transfer CROWN TITLE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 2022 · Amount on Record |
| Deed Sale | Sep 7, 2022 · Amount on Record |
| Prior Sale | Feb 22, 2022 · Amount on Record |
| Deed Book / Page | 15660 / 329 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 401 OAK ST, EDGEWOOD, MD 21040-3323 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 401 OAK ST, EDGEWOOD, MD 21040-3323 |
| Document Number | 0161760413 |
|---|---|
| Date | Feb 16, 2024 |
| Book Page | 16176/413 |
| Name | SERVICEMAC LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 343 Months |
| Due | Sep 1, 2052 |
| Change Frequency | 6 Months |
|---|---|
| Index | FHLBNY's 5-Year Index |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 7, 2022 |
| Property Address | 401 OAK ST, EDGEWOOD, MD 21040-3323 |
| Document Number | 0156600329 |
| Book / Page | 15660 / 329 |
| Map Reference | LB DGW 2 FO 27 |
| Instrument Date | Sep 2, 2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2022 |
| Title Company | NOT AVAILABLE, TITLEMAX LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 OAK ST, EDGEWOOD, MD 21040-3323 |
| Document Number | 0156600335 |
|---|---|
| Date | Sep 7, 2022 |
| Instrument | 15660-0335 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Feb 22, 2022 |
| Property Address | 401 OAK ST, EDGEWOOD, MD 21040-3323 |
| Document Number | 0153760053 |
| Book / Page | 15376 / 53 |
| Map Reference | LB DGW 2 FO 27 |
| Instrument Date | Dec 28, 2021 |
| Transaction Type | Transfer |
| Record Updated | Mar 2, 2022 |
| Title Company | CROWN TITLE CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2804 MOORES VALLEY DR, BALTIMORE, MD 21209-1051 |
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 | $3,032.00 (+103.49%) Homeowner's exemption | $278,200 (+114.66%) Land $66,000 Building $212,200 | $278,200 (+114.66%) Land $66,000 Building $212,200 |
| 2025 | $1,490.00 (+6.13%) Homeowner's exemption | ||
| 2023 | $129,600 Land $66,000 Building $63,600 | $129,600 Land $66,000 Building $63,600 | |
| 2022 | $1,404.00 |
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 | 7 in force |
| Nearby Flood Claims | 8 (2003–2017) |
| Claims Outside the SFHA | 3 of 8 |
| Most Recent Claim | Aug 2017 · river or lake flooding |
| Claims by Event |
|
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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HARFORD COUNTY D.P.W. serves 104,567 people · EPA ID MD0120016 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 164 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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