Harford County property record for 4114 Prospect Rd, Whiteford, MD 21160
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,112 sqft · built 1993 |
| Lot Size | 7.28 acres (317,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Sep 2014) |
| Tax Bill | $4,229 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-047374 |
| Primary APN | 05-047374 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,112 sqft Total Area |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 317,117 sqft (7.28 acres) |
| Deck Area | 192 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 047374 |
|---|---|
| Street Address | 4114 PROSPECT RD |
| City | WHITEFORD |
| State | MD |
| Zip | 21160-1308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | LT 4 7.28 AC 4114 PROSPECT ROAD LD J MC CREESH P 52/99 |
| Legal Subdivision | LAND JOAN L MCCREESCH 36 |
| Legal Lot Number | 4 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 5, DUBLIN |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 305100 |
4114 Prospect Rd is owned and occupied by two individuals who bought it in September 2014.
Source: Harford County records, as of October 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4114 PROSPECT RD, WHITEFORD, MD 21160-1308 |
| 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.
| Date | Document |
|---|---|
| Sep 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ABERDEEN PROVING GROUND FEDERAL CREDIT UNION |
| Feb 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROSEDALE FSLA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2014 · Amount on File |
| Deed Sale | Sep 29, 2014 · Amount on File |
| Deed Book / Page | 10925 / 66 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 29, 2026 |
| Property Address | 4114 PROSPECT RD, WHITEFORD, MD 21160-1308 |
| Document Number | 1730000263 |
| Book / Page | 17307 / 263 |
| Instrument Date | Sep 21, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2026 |
| Title Company | MARVEL TITLE AND ESCROW, MARVEL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 4114 PROSPECT RD, WHITEFORD, MD 21160-1308 |
| Document Number | 1730000263, |
|---|---|
| Date | Sep 29, 2026 |
| Book Page | 17307/263 |
| Name | ABERDEEN PROVING GROUND FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 5, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 4114 PROSPECT RD, WHITEFORD, MD 21160-1308 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | GETZ TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0144810141 |
|---|---|
| Date | Feb 10, 2021 |
| Book Page | 14481/141 |
| Name | ROSEDALE FSLA |
|---|---|
| Type | Bank |
| Address | NOTTINGHAM, MD 21236 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
The 2026 property tax bill for 4114 Prospect Rd was $4,229 with a homeowner's exemption, up 13.8% 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 | $4,229.00 (+13.84%) Homeowner's exemption | $382,600 (+6.57%) | $406,200 (-) Land $151,400 Building $254,800 |
| 2025 | $3,715.00 Homeowner's exemption | $359,000 | $406,200 Land $151,400 Building $254,800 |
| 2023 | $323,567 | $335,400 Land $141,400 Building $194,000 | |
| 2022 | $3,457.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4114 Prospect Rd in Zone X, an area of minimal flood risk.
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 | 2 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.
Wildfire risk around 4114 Prospect 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Armstrong Cable | 1,000 / 20 |
| Starlink Satellite | 280 / 30 |
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