412 Kosoak Rd, Middle River, MD 21220 Property Records

Baltimore County property record for 412 Kosoak Rd, Middle River, MD 21220

Property Summary

Property Type	Townhouse
Details	2 ba · 1,530 sqft · built 1987
Lot Size	0.031 acres (1,368 sqft)
Owner	2 Individual Names on File
Last Sale	$188,000 (Feb 2026)
Tax Bill	$3,360 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
APN	`15-1900012028`

Property Details

APN / Parcel Number

Primary APN	`15-1900012028`
Alternative APN	`1900012028`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,530 sqft Living Area
1st Floor Area	540 sqft
Basement Area	450 sqft
Finished Basement	450 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,368 sqft (0.031 acres)
Lot Dimensions	76 ft deep x 18 ft wide
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	1900012028
Street Address	412 KOSOAK RD
City	MIDDLE RIVER
State	MD
Zip	21220-2300
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	0.0314 AC CARROLL CREST PHASE II
Legal Subdivision	CARROLL CREST PHASE II
Legal Phase	2
Legal Block	1
Legal Lot Number	166
Jurisdiction	BALTIMORE MD
Township / Civil Division	15
Census Block Group	1
Census Block	1008
Census Tract	451803

Owner

Source: Baltimore County records · APN 15-1900012028

Assessment roll updated July 14, 2025 · Last verified July 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 File
Mailing Address	412 KOSOAK RD, BALTIMORE, MD 21220-2300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 09, 2026 · Amount on Record
Deed Sale	Feb 09, 2026 · Amount on Record
Prior Sale	May 14, 2004
Deed Document Number	2026
Deed Book / Page	50990 / 151
Prior Transfer Date	Jun 12, 2025
Record Updated	Sep 20, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BALTIMORE MD
Recording Date	Feb 09, 2026
Property Address	412 KOSOAK RD, BALTIMORE, MD 21220-2300
Document Number	0509900151
Book / Page	50990 / 151
Map Reference	MB EHK JR 50 FO 103
Instrument Date	Jan 14, 2026
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	GOLDSTAR TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$940.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	412 KOSOAK RD, BALTIMORE, MD 21220-2300

Mortgage

Document Number	0050990156
Date	Feb 09, 2026
Instrument	50990/156

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2056

Tax Assessment & Valuation

Source: Baltimore County records · Assessment roll updated July 14, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Baltimore County
Unified School District	Baltimore County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,360.00 (+4.8%)	$199,633 (+18.2%)	$215,000 (+27.29%) Land $52,000 Building $163,000
2024	$3,206.00 (+108.45%)
2023	$1,538.00 Homeowner's exemption	$168,900 Land $52,000 Building $116,900	$168,900 Land $52,000 Building $116,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 68 policies
Nearby Flood Policies	68 in force
Nearby Flood Claims	66 (1978–2024)
Claims Outside the SFHA	3 of 66
Most Recent Claim	Aug 2024 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims Hurricane Isabel, Sep 2003 · 43 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Believe Wireless Fixed Wireless	500 / 100

May also be available: T-Mobile USA.

Based on FCC filings for 596 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF BALTIMORE serves 1,600,000 people
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 E. coli resolved · Sep 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.