Harford County property record for 403 Oak St, Edgewood, MD 21040
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 864 sqft · built 1959 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $330,000 (Sep 2024) |
| Tax Bill | $1,949 (2026) |
| Deeds & Mortgages | Sep 2024 Sale & Mortgage Apr 2024 Foreclosure + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-037846 |
| Primary APN | 01-037846 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 864 sqft Total Area |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 15,000 sqft (0.344 acres) |
| Lot Dimensions | 200 ft deep x 75 ft wide |
| Garage Type | Carport |
| Garage Area | 252 sqft |
| Carport | Carport |
| Carport Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 246 sqft |
| Patio Area | 288 sqft |
| Shed | 1 Shed |
| Shed Area | 528 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 037846 |
|---|---|
| Street Address | 403 OAK ST |
| City | EDGEWOOD |
| State | MD |
| Zip | 21040-3323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 9 P O 10 75X200 403 OAK STREET EDGEWOOD P 2/27 |
| Legal Subdivision | 403 OAK STREET |
| Legal Lot Number | 9 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 403 OAK ST, EDGEWOOD, MD 21040-3323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 4, 2024 | Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC |
| Apr 11, 2024 | Trustee's Deed, Foreclosure · Stand-Alone First Mortgage HET AUTOS LLC |
| Jun 26, 2017 | Deed, Transfer · FHA Mortgage EQUITY PRIME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2024 · Amount on Record |
| Deed Sale | Sep 4, 2024 · Amount on Record |
| Prior Sale | Apr 11, 2024 · Amount on Record |
| Deed Book / Page | 16374 / 485 |
| Prior Transfer Date | Dec 8, 2008 |
| Prior Transfer Doc | 0080000296 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 4, 2024 |
| Property Address | 403 OAK ST, EDGEWOOD, MD 21040-3323 |
| Document Number | 0163740485 |
| Book / Page | 16374 / 485 |
| Map Reference | BK 16228 PG 478 |
| Instrument Date | Aug 27, 2024 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2024 |
| Title Company | RAVEN TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 403 OAK ST, EDGEWOOD, MD 21040-3323 |
| Document Number | 0016374494 |
|---|---|
| Date | Sep 4, 2024 |
| Instrument | 16374/494 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2054 |
| Document Number | 0163740513 |
|---|---|
| Date | Sep 4, 2024 |
| Book Page | 16374/513 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | HUNT VALLEY, MD 21031 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 1, 2034 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Apr 11, 2024 |
| Property Address | 403 OAK ST, EDGEWOOD, MD 21040-3323 |
| Document Number | 0162280478 |
| Book / Page | 16228 / 478 |
| Instrument Date | Apr 8, 2024 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 3, 2026 |
| Title Company | WESTERN TITLE AND ESCROW COMPANY, TERRAIN TITLE & ESCROW CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $800.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 309 AIKEN TER, ABINGDON, MD 21009-2003 |
| Document Number | 0162280484 |
|---|---|
| Date | Apr 11, 2024 |
| Instrument | 16228-0484 |
| Name | HET AUTOS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jun 26, 2017 |
| Property Address | 403 OAK ST, EDGEWOOD, MD 21040-3323 |
| Document Number | 0124060415 |
| Book / Page | 12406 / 0415 |
| Instrument Date | May 31, 2017 |
| Instrument | 12406-0415 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,650.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 403 OAB ST, EDGEWOOD, MD 21040-3323 |
| Document Number | 124060422 |
|---|---|
| Date | Jun 26, 2017 |
| Instrument | 12406-0422 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2047 |
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 | $1,949.00 (+11.5%) Homeowner's exemption | $178,900 (+5.44%) Land $66,000 Building $112,900 | $178,900 (-) Land $66,000 Building $112,900 |
| 2025 | $1,748.00 (+7.17%) Homeowner's exemption | $169,667 (+12.21%) | $178,900 (+18.32%) Land $66,000 Building $112,900 |
| 2023 | $151,200 Land $66,000 Building $85,200 | $151,200 Land $66,000 Building $85,200 | |
| 2022 | $1,631.00 |
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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