4124 Prospect Rd, Whiteford, MD 21160 Property Records

Harford County property record for 4124 Prospect Rd, Whiteford, MD 21160

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,160 sqft · built 2003
Lot Size	2.06 acres (89,734 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (Nov 2002)
Tax Bill	$4,662 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-031958`

Property Details

APN / Parcel Number

Primary APN	`05-031958`
Alternative APNs	`5031958` `031958`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,160 sqft Total Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	89,734 sqft (2.06 acres)
Lot Dimensions	598 ft deep x 144 ft wide
Garage Type	Mixed
Garage Area	1,760 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	408 sqft
Shed	1 Shed
Shed Area	420 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	031958
Street Address	4124 PROSPECT RD
City	WHITEFORD
State	MD
Zip	21160-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 2 130/171X598 AV 4124 PROSPECT ROAD PROSPECT RIDGE PT 23/33
Legal Subdivision	PROSPECT RIDGE
Legal Lot Number	2
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	2
Census Block	2025
Census Tract	305100

Owner

Source: Harford County records, as of August 25, 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	4124 PROSPECT RD, WHITEFORD, MD 21160-1308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage POINT BREEZE CU
Aug 20, 2019	Quit Claim Deed, Transfer · Conventional Mortgage POINT BREEZE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2002 · Amount on Record
Deed Sale	Nov 14, 2002 · Amount on Record
Prior Sale	Mar 19, 2002 · Amount on Record
Deed Document Number	2002132
Deed Book / Page	4231 / 260
Last Transfer Date	Aug 13, 2019
Transfer Doc	0134020001
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	4124 PROSPECT RD, WHITEFORD, MD 21160-1308
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0148950124
Date	Jul 15, 2021
Book Page	14895/124

Lender

Name	POINT BREEZE CU
Type	Credit Union
Address	HUNT VALLEY, MD 21031

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2031

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 20, 2019
Property Address	4124 PROSPECT RD, WHITEFORD, MD 21160-1308
Document Number	0134020001
Book / Page	013402 / 000001
Instrument Date	Aug 13, 2019
Transaction Type	Transfer
Record Updated	Sep 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4124 PROSPECT RD WHITEFORD MD 211601308, WHITEFORD, MD 21160-1308

Mortgage

Document Number	134050319
Date	Aug 20, 2019
Book Page	013405/000319

Lender

Name	POINT BREEZE CU
Type	Credit Union
Address	HUNT VALLEY, MD 21031

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 19, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
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	$4,662.00 (+15.68%) Homeowner's exemption	$422,300 (+7.37%)	$451,300 (-) Land $112,700 Building $338,600
2025	$4,030.00 (+3.57%) Homeowner's exemption	$393,300 (+9.89%)	$451,300 (+23.88%) Land $112,700 Building $338,600
2023		$357,900	$364,300 Land $103,700 Building $260,600
2022	$3,891.00

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
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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20
Starlink Satellite	280 / 30

May also be available: IQ Fiber.

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