Harford County property record for 405 Cooley Mill Rd, Havre De Grace, MD 21078
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,688 sqft · built 1995 |
| Lot Size | 8.74 acres (380,714 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $72,000 (Mar 1994) |
| Tax Bill | $7,133 (2026) |
| Deeds & Mortgages | Nov 2023 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-060124 |
| Primary APN | 02-060124 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,688 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 380,714 sqft (8.74 acres) |
| Garage Type | Basement |
| Garage Area | 620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 712 sqft |
| Porch | Slab |
| Porch Area | 752 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 060124 |
|---|---|
| Street Address | 405 COOLEY MILL RD |
| City | HAVRE DE GRACE |
| State | MD |
| Zip | 21078-1319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | LOT 8 8.746 AC 405 COOLEY MILL ROAD LD BOYER & MOLL P 82/35 |
| Legal Subdivision | LD BOYER & MOLL |
| Legal Lot Number | 8 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 2, HALLS CROSS ROADS |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 302100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lower Deer Creek Valley Historic District listed 1993 · 275 contributing resources · NRIS 93001143 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
405 Cooley Mill Rd is owned and occupied by two individuals who bought it in March 1994.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 COOLEY MILL RD, HAVRE DE GRACE, MD 21078-1319 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 1994 · Amount on File |
| Deed Sale | Mar 2, 1994 · Amount on File |
| Deed Book / Page | 2094 / 521 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 405 COOLEY MILL RD, HAVRE DE GRACE, MD 21078-1319 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2023 |
| Title Company | POWERHOUSE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0160890278 |
|---|---|
| Date | Nov 9, 2023 |
| Book Page | 16089/278 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Oct 20, 2033 |
The 2026 property tax bill for 405 Cooley Mill Rd was $7,133, up 14.6% from the year before.
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 | $7,133.00 (+14.6%) | $649,000 Land $143,700 Building $505,300 | $649,000 Land $143,700 Building $505,300 |
| 2025 | $6,224.00 | ||
| 2023 | $523,900 Land $143,700 Building $380,200 | $523,900 Land $143,700 Building $380,200 | |
| 2022 | $5,636.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Cooley Mill Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 15, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 405 Cooley Mill Rd 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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