423 Kosoak Rd, Baltimore (Middle River), MD 21220 Property Records

Baltimore County property record for 423 Kosoak Rd, Baltimore, MD 21220

Property Summary

Property Type	Townhouse
Details	2 ba · 1,080 sqft · built 1987
Lot Size	0.031 acres (1,368 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Oct 2025)
Tax Bill	$3,554 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2025 Sale & Mortgage + 1 more
APN	`15-1900012007`

Property Details

APN / Parcel Number

Primary APN	`15-1900012007`
Alternative APN	`1900012007`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,080 sqft Total Area
1st Floor Area	540 sqft
Basement Area	405 sqft
Finished Basement	405 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 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	210 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	1900012007
Street Address	423 KOSOAK RD
City	BALTIMORE
State	MD
Zip	21220-2344
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	.0314 AC 423 KOSOAK RD CARROLL CREST PHASE II
Legal Section	2
Legal Subdivision	CARROLL CREST PH 02
Legal Phase	2
Legal Lot Number	145
Jurisdiction	BALTIMORE MD
Township / Civil Division	15
Census Block Group	1
Census Block	1003
Census Tract	451803

Owner

Source: Baltimore County records, as of October 28, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	423 KOSOAK RD, MIDDLE RIVER, MD 21220-2344
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 16, 2025	Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 28, 2023	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2025 · Amount on Record
Deed Sale	Oct 16, 2025 · Amount on Record
Prior Sale	Feb 28, 2023 · Amount on Record
Deed Document Number	0050607296
Deed Book / Page	50607 / 296
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	423 KOSOAK RD, BALTIMORE, MD 21220-2344
Transaction Type	Mortgage
Record Updated	Oct 29, 2025
Title Company	EQUITY SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0455830196
Date	Oct 6, 2021
Book Page	45583/196

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Feb 1, 2051

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BALTIMORE MD
Recording Date	Oct 16, 2025
Property Address	423 KOSOAK RD, BALTIMORE, MD 21220-2344
Document Number	0506070296
Book / Page	50607 / 296
Map Reference	MB EHK JR 50 FO 103
Instrument Date	Oct 3, 2025
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE STLMTS & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	423 KOSOAK RD, MIDDLE RIVER, MD 21220-2344

Mortgage

Document Number	0050607303
Date	Oct 16, 2025
Instrument	50607/303

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BALTIMORE MD
Recording Date	Feb 28, 2023
Property Address	423 KOSOAK RD, BALTIMORE, MD 21220-2344
Document Number	0478180269
Book / Page	47818 / 269
Map Reference	MB EHK 50 FO 103
Instrument Date	Jan 31, 2023
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$566.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 KOSOAK RD, BALTIMORE, MD 21220-2344

Mortgage

Document Number	0478180278
Date	Feb 28, 2023
Book Page	47818/278

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

Source: Baltimore County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,554.00 (+133.66%)	$200,233 (+20.55%)	$217,300 (+30.82%) Land $52,000 Building $165,300
2023	$1,521.00	$166,100 Land $52,000 Building $114,100	$166,100 Land $52,000 Building $114,100

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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	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 BALTIMORE serves 1,600,000 people · EPA ID MD0300002
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, 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 596 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
Believe Broadband Fixed Wireless	500 / 100

May also be available: T-Mobile.

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