404 Bernard Ave, Greensboro, MD 21639 Property Records

Caroline County property record for 404 Bernard Ave, Greensboro, MD 21639

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,168 sqft · built 1998
Lot Size	0.226 acres (9,844 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Oct 2023)
Tax Bill	$530 (2026)
Deeds & Mortgages	Oct 2023 Sale & Second Mortgage Jan 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-030934`

Property Details

APN / Parcel Number

Primary APN	`02-030934`
Alternative APNs	`2030934` `030934`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,168 sqft Total Area
1st Floor Area	1,168 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Siding Sheathing
Roof Material	Metal
Lot Area	9,844 sqft (0.226 acres)
Porch	Slab
Porch Area	188 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	030934
Street Address	404 BERNARD AVE
City	GREENSBORO
State	MD
Zip	21639-1439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	9,844 SF L-34 N/S BERNARD AVE GREENSBORO
Legal Subdivision	GRAHAM LAND
Legal Lot Number	34
Jurisdiction	CAROLINE MD
Township / Civil Division	2, GREENSBORO
Census Block Group	2
Census Block	2017
Census Tract	955100

Owner

404 Bernard Ave is owned by an individual who bought it in October 2023.

Source: Caroline County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	143 CROSSGATE DR, CHURCH HILL, MD 21623-1444
Owner Type	Individual

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
Oct 23, 2023	Deed, Transfer · Stand-Alone Second Mortgage SHORE UNITED BANK NA
Jan 26, 2022	Deed, Transfer REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW
Dec 23, 2020	Deed, Transfer · FHA Mortgage TIDEWATER MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2023 · Amount on File
Deed Sale	Oct 23, 2023 · Amount on File
Prior Sale	Jan 26, 2022 · Amount on File
Deed Book / Page	1648 / 136
Prior Transfer Date	Apr 22, 1987
Prior Transfer Doc	0229000446
Record Updated	Oct 29, 2026

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Oct 23, 2023
Property Address	404 BERNARD AVE, GREENSBORO, MD 21639-1439
Document Number	0016480136
Book / Page	1648 / 136
Map Reference	LB JKS 74 FO 2
Instrument Date	Sep 29, 2023
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	THE ATLANTIC TITLE GOUP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 BERNARD AVE, GREENSBORO, MD 21639-1439

Mortgage

Document Number	0016480142
Date	Oct 23, 2023
Instrument	1648-0142

Lender

Name	SHORE UNITED BANK NA
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2053

Mortgage

Document Number	0016480161
Date	Oct 23, 2023
Book Page	1648/161

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Jan 26, 2022
Property Address	404 BERNARD AVE, GREENSBORO, MD 21639-1439
Document Number	0015520456
Book / Page	1552 / 456
Instrument Date	Jan 19, 2022
Transaction Type	Transfer
Record Updated	Feb 16, 2022
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	404 BERNARD AVE, GREENSBORO, MD 21639-1439

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Dec 23, 2020
Property Address	404 BERNARD AVE, GREENSBORO, MD 21639-1439
Document Number	0014580472
Book / Page	1458 / 472
Map Reference	MB 74 FO 2
Instrument Date	Dec 16, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	TITLE EXCELLENCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	404 BERNARD AVE, GREENSBORO, MD 21639-1439

Mortgage

Document Number	0001458478
Date	Dec 23, 2020
Instrument	1458/478

Lender

Name	TIDEWATER MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 404 Bernard Ave was $530, down 85.4% from the year before.

Source: Caroline County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Caroline County
Municipality	Greensboro Town
Unified School District	Caroline County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$530.00 (-85.36%)	$31,300 Land $31,300	$31,300 Land $31,300
2025	$3,619.00
2023	$3,084.00	$178,100	$199,500 Land $31,300 Building $168,200

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 404 Bernard Ave in Zone X, an area of minimal flood risk, though there have been 27 flood claims nearby since 1999.

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
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	27 (1999–2024)
Claims Outside the SFHA	7 of 27
Most Recent Claim	May 2024 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 19 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 claims

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

Wildfire risk around 404 Bernard Ave 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	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	TOWN OF GREENSBORO serves 1,878 people · EPA ID MD0050003
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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