Dorchester County property record for 409 Penn St, Hurlock, MD 21643
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,196 sqft · built 1973 |
| Lot Size | 0.206 acres (8,974 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $72,000 (Jan 2014) |
| Tax Bill | $2,221 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Jun 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-012374 |
| Primary APN | 15-012374 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,196 sqft Total Area |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,974 sqft (0.206 acres) |
| Lot Dimensions | 128 ft deep x 70 ft wide |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 012374 |
|---|---|
| Street Address | 409 PENN ST |
| City | HURLOCK |
| State | MD |
| Zip | 21643-3550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 119C - 8,974 SQ. FT. 409 PENN STREET HURLOCK |
| Legal Subdivision | HURLOCK |
| Legal Lot Number | 119C |
| Jurisdiction | DORCHESTER MD |
| Township / Civil Division | 15, HURLOCK |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 970200 |
Source: Dorchester County records, as of October 1, 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 | 409 PENN ST, HURLOCK, MD 21643-3550 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 20, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 2, 2022 | Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 11, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 24, 2014 · Amount on Record |
| Deed Sale | Jan 24, 2014 · Amount on Record |
| Prior Sale | Jun 16, 1986 · Amount on Record |
| Deed Book / Page | 1188 / 65 |
| Last Transfer Date | Mar 10, 2022 |
| Transfer Doc | 0017460114 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Property Address | 409 PENN ST, HURLOCK, MD 21643-3550 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 409 PENN ST, HURLOCK, MD 21643-3550 |
| Document Number | 0020030390 |
|---|---|
| Date | Mar 25, 2026 |
| Book Page | 2003/390 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Property Address | 409 PENN ST, HURLOCK, MD 21643-3550 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 0018170211 |
|---|---|
| Date | Jun 20, 2023 |
| Book Page | 1817/211 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Recording Date | Jun 2, 2022 |
| Property Address | 409 PENN ST, HURLOCK, MD 21643-3550 |
| Document Number | 0017460114 |
| Book / Page | 1746 / 114 |
| Map Reference | LB PLC 13 |
| Instrument Date | Mar 10, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2022 |
| Title Company | MORTGAGE CONNECT LP |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 409 PENN ST, HURLOCK, MD 21643-3550 |
| Document Number | 0001746122 |
|---|---|
| Date | Jun 2, 2022 |
| Instrument | 1746-122 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DORCHESTER MD |
| Property Address | 409 PENN ST, HURLOCK, MD 21643-3550 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0015740386 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 1574/386 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 287 Months |
| Due | Apr 1, 2044 |
Source: Dorchester County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Dorchester County |
| Municipality | Hurlock Town |
| Unified School District | Dorchester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,221.00 (+9.14%) | $131,967 (+12.09%) | $146,200 (-) Land $31,400 Building $114,800 |
| 2025 | $2,035.00 (+15.76%) | $117,733 (+19.65%) | $146,200 (+41.26%) Land $31,400 Building $114,800 |
| 2023 | $1,758.00 | $98,400 | $103,500 Land $31,400 Building $72,100 |
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 April 10, 2022 · 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 |
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 | None beyond ember reach |
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 | TOWN OF HURLOCK serves 2,150 people · EPA ID MD0090005 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 7 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 1,200 / 35 |
| Bay Country Communications Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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