405 Oak St, Aberdeen, MD 21001 Property Records

Harford County property record for 405 Oak St, Aberdeen, MD 21001

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,532 sqft · built 1962
Lot Size	0.239 acres (10,400 sqft)
Owner	2 Individual Names on File
Last Sale	$189,900 (Apr 2014)
Tax Bill	$2,230 (2026)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-029898`

Property Details

APN / Parcel Number

Primary APN	`02-029898`
Alternative APNs	`2029898` `029898`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,532 sqft Total Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,400 sqft (0.239 acres)
Patio Area	352 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	029898
Street Address	405 OAK ST
City	ABERDEEN
State	MD
Zip	21001-3125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 16 10400 SF 405 OAK STREET CHESAPEAKE AC S1 P 11/43
Legal Subdivision	CHESAPEAKE ACRES 11 114
Legal Lot Number	16
Jurisdiction	HARFORD MD
Township / Civil Division	2, HALLS CROSS ROADS
Census Block Group	2
Census Block	2011
Census Tract	302802

Owner

Source: Harford County records, as of August 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	405 OAK ST, ABERDEEN, MD 21001-3125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2014 · Amount on File
Deed Sale	Apr 17, 2014 · Amount on File
Prior Sale	Jun 24, 2013 · Amount on File
Deed Book / Page	10715 / 39
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	405 OAK ST, ABERDEEN, MD 21001-3125
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	CLEAREDGE TITLE, CLEAREDGE TITLER

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150140091
Date	Sep 8, 2021
Book Page	15014/91

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Maryland
Municipality	Aberdeen City
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,230.00 (+18.49%) Homeowner's exemption	$234,000 (+24.87%) Land $45,000 Building $189,000	$234,000 (+24.87%) Land $45,000 Building $189,000
2025	$1,882.00 (+8.6%) Homeowner's exemption
2023		$187,400 Land $45,000 Building $142,400	$187,400 Land $45,000 Building $142,400
2022	$1,733.00

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, 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1996 · 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 96% of the US · lower than 92% 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 ABERDEEN serves 18,006 people · EPA ID MD0120001
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2023
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	None 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 494 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