403 Central Ave, Baltimore (Towson), MD 21204 Property Records

Baltimore County property record for 403 Central Ave, Baltimore, MD 21204

Property Summary

Property Type	Commercial Office
Details	2,754 sqft · built 1922
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Nov 2003)
Tax Bill	$5,914 (2024)
Deeds & Mortgages	Dec 2025 Line of Credit Feb 2023 Mortgage + 1 more
APN	`09-0902650480`

Property Details

APN / Parcel Number

Primary APN	`09-0902650480`
Alternative APNs	`90902650480` `0902650480`

Interior

Stories	2 Stories
Building Area	2,754 sqft Gross Area
1st Floor Area	1,846 sqft
Basement Area	908 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Construction Type	Brick
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0902650480
Street Address	403 CENTRAL AVE
City	TOWSON
State	MD
Zip	21204-4216
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	RO
Legal Description	.1721 AC
Legal Block	1
Jurisdiction	BALTIMORE MD
Township / Civil Division	9
Census Block Group	1
Census Block	1021
Census Tract	490703

Owner

Source: Baltimore County records, as of December 30, 2025

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	403 CENTRAL AVE, TOWSON, MD 21204-4216
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Feb 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT BANK
Sep 21, 2017	Deed of Trust, Mortgage · Commercial Mortgage M &T BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2003 · Amount on Record
Deed Sale	Nov 14, 2003 · Amount on Record
Prior Sale	May 24, 2002
Deed Document Number	2003270580
Deed Book / Page	16442 / 658
Last Transfer Date	Jul 29, 2024
Transfer Doc	0493480416
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	403 CENTRAL AVE, TOWSON, MD 21204-4216
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 CENTRAL AVE, TOWSON, MD 21204-4216

Mortgage

Document Number	0508280171
Date	Dec 18, 2025
Book Page	50828/171

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	403 CENTRAL AVE, BALTIMORE, MD 21204-4216
Transaction Type	Mortgage
Record Updated	Feb 15, 2023
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0477630432
Date	Feb 7, 2023
Book Page	47763/432

Lender

Name	PARAMOUNT BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	169 Months
Due	Mar 1, 2037

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	403 CENTRAL AVE, BALTIMORE, MD 21204-4216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0394270261
Date	Sep 21, 2017
Book Page	0039427/261

Lender

Name	M &T BANK
Type	Non-Lending Institution
Address	BUFFALO, NY 14203

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Baltimore County assessment roll, as of July 14, 2025

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
2025		$435,000 (-) Land $262,500 Building $172,500	$435,000 (-) Land $262,500 Building $172,500
2024	$5,914.00 (+99.39%)
2023	$2,966.00	$435,000 Land $262,500 Building $172,500	$435,000 Land $262,500 Building $172,500

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jan 1978 · rainfall accumulation

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	Low lower than 99.1% of the US · lower than 98.5% 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.

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 354 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
Believe Broadband Fixed Wireless	500 / 100
AT&T Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband, T-Mobile.

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