Baltimore County property record for 431 Torner Rd, Baltimore, MD 21221 · Last verified July 2026
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 1,024 sqft · built 1954 |
| Lot Size | 0.037 acres (1,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $62,000 (Sep 1999) |
| Tax Bill | $2,434 (2024) |
| Deeds & Mortgages | Jan 2024 Mortgage Mar 2023 Mortgage + 2 more |
| APN | 15-1508654000 |
| Primary APN | 15-1508654000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,024 sqft Living Area |
| 1st Floor Area | 512 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 1,600 sqft (0.037 acres) |
| Lot Dimensions | 100 ft deep x 16 ft wide |
| Porch | Slab |
| Porch Area | 80 sqft |
| Patio Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 1508654000 |
|---|---|
| Street Address | 431 TORNER RD |
| City | ESSEX |
| State | MD |
| Zip | 21221-2145 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | MIDDLESEX |
| Legal Subdivision | MIDDLESEX |
| Legal Block | 12 |
| Legal Lot Number | 131 |
| Jurisdiction | BALTIMORE MD |
| Township / Civil Division | 15 |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 492300 |
Source: Baltimore County records · APN 15-1508654000
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 | Individual Name on File |
|---|---|
| Mailing Address | 431 TORNER RD, ESSEX, MD 21221-2145 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 29, 2024 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Mar 20, 2023 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Aug 14, 2019 | Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK |
| Apr 04, 2017 | Loan Modification, Mortgage MIDFIRST BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 07, 1999 · Amount on Record |
| Deed Sale | Sep 07, 1999 · Amount on Record |
| Prior Sale | Nov 27, 1963 · Amount on Record |
| Deed Document Number | 1999172729 |
| Deed Book / Page | 14010 / 302 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Property Address | 431 TORNER RD, BALTIMORE, MD 21221-2145 |
| Transaction Type | Mortgage |
| Record Updated | Mar 05, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 431 TORNER RD, BALTIMORE, MD 21221-2145 |
| Document Number | 0487320009 |
|---|---|
| Date | Jan 29, 2024 |
| Book Page | 48732/9 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 308 Months |
| Due | Sep 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Property Address | 431 TORNER RD, BALTIMORE, MD 21221-2145 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 431 TORNER RD, BALTIMORE, MD 21221-2145 |
| Document Number | 0478760354 |
|---|---|
| Date | Mar 20, 2023 |
| Book Page | 47876/354 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 318 Months |
| Due | Sep 01, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Property Address | 431 TORNER RD, BALTIMORE, MD 21221-2145 |
| Document Number | 0418990325 |
| Instrument Date | Aug 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 07, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 431 TORNER RD BALTIMORE MD 212212145, BALTIMORE, MD 21221-2145 |
| Document Number | 0418990325 |
|---|---|
| Date | Sep 24, 2019 |
| Book Page | 041899/000325 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 23, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Property Address | 431 TORNER RD, BALTIMORE, MD 21221-2145 |
| Document Number | 0389530326 |
| Instrument Date | Apr 04, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 431 TORNER RD BALTIMORE MD 212212145, BALTIMORE, MD 21221-2145 |
| Document Number | 0389530326 |
|---|---|
| Date | May 12, 2017 |
| Book Page | 038953/000326 |
| Name | MIDFIRST BK |
|---|---|
| Type | Federal Savings Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 11, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
Source: Baltimore County records · Assessment roll updated July 14, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Baltimore County |
| Unified School District | Baltimore County Public Schools (PK - 12) |
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 | $140,767 (+22.09%) | $153,500 (+33.13%) Land $48,000 Building $105,500 | |
| 2024 | $2,434.00 (+94.25%) | ||
| 2023 | $1,253.00 Homeowner's exemption | $115,300 Land $48,000 Building $67,300 | $115,300 Land $48,000 Building $67,300 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 273 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fiber | 980 / 880 |
| Believe Wireless | Fixed Wireless (unlicensed) | 500 / 100 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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