Harford County property record for 404 Oak St, Edgewood, MD 21040
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,248 sqft · built 1940 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Dec 2024) |
| Tax Bill | $2,359 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-064320 |
| Primary APN | 01-064320 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,248 sqft Total Area |
| 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 |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 324 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 064320 |
|---|---|
| Street Address | 404 OAK ST |
| City | EDGEWOOD |
| State | MD |
| Zip | 21040-3324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 7 PO 8 15000 SF 404 OAK STREET EDGEWOOD PLT 2/27 |
| Legal Subdivision | FIRST EAST ADDITION |
| Legal Block | B |
| Legal Lot Number | 7 PO8 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2012 |
| 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 | 404 OAK ST, EDGEWOOD, MD 21040-3324 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 3, 2026 | Deed, Transfer · Conventional Mortgage HAR CO CU |
| Jul 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Mar 12, 2019 | Deed, Transfer · Stand-Alone Second Mortgage HOWARD BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 2024 · Amount on Record |
| Deed Sale | Dec 31, 2024 · Amount on Record |
| Prior Sale | Mar 12, 2019 · Amount on Record |
| Deed Book / Page | 16514 / 52 |
| Last Transfer Date | Feb 23, 2026 |
| Transfer Doc | 0170230101 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Mar 3, 2026 |
| Property Address | 404 OAK ST, EDGEWOOD, MD 21040-3324 |
| Document Number | 0170230101 |
| Book / Page | 17023 / 101 |
| Map Reference | MB S.W.C 2 FO 27 |
| Instrument Date | Feb 23, 2026 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Venture |
| Address | 404 OAK ST, EDGEWOOD, MD 21040-3324 |
| Document Number | 0017023107 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | 17023/107 |
| Name | HAR CO CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 404 OAK ST, EDGEWOOD, MD 21040-3324 |
| Document Number | 0140940253 |
| Instrument Date | Jul 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2020 |
| Title Company | LOAN MODIFICATION SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 404 OAK ST EDGEWOOD MD 210403324, EDGEWOOD, MD 21040-3324 |
| Document Number | 0140940253 |
|---|---|
| Date | Sep 9, 2020 |
| Book Page | 014094/000253 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 8, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Mar 12, 2019 |
| Property Address | 404 OAK ST, EDGEWOOD, MD 21040-3324 |
| Document Number | 0131830372 |
| Book / Page | 13183 / 0372 |
| Map Reference | MB 2 FO 27 |
| Instrument Date | Feb 28, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | UNIVERSAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 404 OAK ST, EDGEWOOD, MD 21040-3324 |
| Document Number | 0013183398 |
|---|---|
| Date | Mar 12, 2019 |
| Instrument | 13183/398 |
| Name | HOWARD BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0131830381 |
|---|---|
| Date | Mar 12, 2019 |
| Book Page | 13183/0381 |
| Name | HOWARD BANK |
|---|---|
| Type | Bank |
| Address | BALTIMORE, MD 21224 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2049 |
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 | $2,359.00 (+12.82%) | $216,500 (+6.02%) Land $66,000 Building $150,500 | $216,500 (-) Land $66,000 Building $150,500 |
| 2025 | $2,091.00 (+12.84%) | $204,200 (+13.7%) | $216,500 (+20.55%) Land $66,000 Building $150,500 |
| 2023 | $179,600 Land $66,000 Building $113,600 | $179,600 Land $66,000 Building $113,600 | |
| 2022 | $1,853.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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