4309 Cooper Rd, Whiteford, MD 21160 Property Records

Harford County property record for 4309 Cooper Rd, Whiteford, MD 21160

Property Summary

Property Type	Rural Home
Details	2 ba · 2,119 sqft · built 1920
Lot Size	8.13 acres (354,143 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Nov 2013)
Tax Bill	$3,131 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-022363`

Property Details

APN / Parcel Number

Primary APN	`05-022363`
Alternative APNs	`5022363` `022363`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,119 sqft Total Area
Basement Area	1,292 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	354,143 sqft (8.13 acres)

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Shed	1 Shed
Shed Area	560 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	022363
Street Address	4309 COOPER RD
City	WHITEFORD
State	MD
Zip	21160-1504
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AG
Legal Description	LOT 1 8.137 AC 4309 COOPER ROAD LD KERR PT 71/105
Legal Subdivision	LAND OF JAMES R KERR & ROMAINE K HOWES
Legal Lot Number	1
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	2
Census Block	2005
Census Tract	305100

Owner

4309 Cooper Rd, a rural home, is owned and occupied by two individuals who bought it in November 2013.

Source: Harford County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4309 COOPER RD, WHITEFORD, MD 21160-1504
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM FEDERAL CREDIT UNION
Aug 28, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM FCU
Aug 28, 2017	Deed of Trust, Mortgage · Line of Credit FREEDOM OF MARYLAND FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2013 · Amount on File
Deed Sale	Nov 12, 2013 · Amount on File
Prior Sale	Jun 28, 1988 · Amount on File
Deed Book / Page	10558 / 189
Prior Transfer Date	Jan 14, 2011
Prior Transfer Doc	0090770010
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Recording Date	Apr 15, 2026
Property Address	4309 COOPER RD, WHITEFORD, MD 21160-1504
Document Number	1708000025
Book / Page	17084 / 25
Instrument Date	Apr 7, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4309 COOPER RD, WHITEFORD, MD 21160-1504

Mortgage

Document Number	1708000025,
Date	Apr 15, 2026
Book Page	17084/25

Lender

Name	FREEDOM FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	4309 COOPER RD, WHITEFORD, MD 21160-1504
Transaction Type	Mortgage
Record Updated	Sep 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0160160232
Date	Aug 28, 2023
Book Page	16016/232

Lender

Name	FREEDOM FCU
Type	Credit Union
Address	BEL AIR, MD 21014

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 23, 2038

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	4309 COOPER RD, WHITEFORD, MD 21160-1504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0124870160
Date	Aug 28, 2017
Book Page	12487/0160
Instrument	12487-0160

Lender

Name	FREEDOM OF MARYLAND FCU
Type	Credit Union
Address	BEL AIR, MD 21015

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 17, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 4309 Cooper Rd was $3,131, up 13.6% from the year before.

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	$3,131.00 (+13.61%)	$281,800 (+6.5%)	$299,000 (-) Land $117,600 Building $181,400
2025	$2,756.00	$264,600	$299,000 Land $117,600 Building $181,400
2023		$241,767	$247,400 Land $107,600 Building $139,800
2022	$2,633.00

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

Flood

FEMA maps place 4309 Cooper 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

Wildfire risk around 4309 Cooper 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cooper Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures