45 Gerard Ave, Timonium (Lutherville Timonium), MD 21093 Property Records

Baltimore County property record for 45 Gerard Ave, Timonium, MD 21093

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,014 sqft · built 1957
Lot Size	0.207 acres (9,030 sqft)
Owner	Company Name on Record
Last Sale	$295,221 (Dec 2021)
Tax Bill	$3,689 (2023)
Deeds & Mortgages	Dec 2021 Sale Dec 2020 Reverse Mortgage + 3 more
APN	`08-0803050470`

Property Details

APN / Parcel Number

Primary APN	`08-0803050470`
Alternative APNs	`80803050470` `0803050470`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,014 sqft Total Area
1st Floor Area	1,014 sqft
Basement Area	148 sqft
Finished Basement	148 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Architectural Style	Conventional
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	9,030 sqft (0.207 acres)
Lot Width	54 ft Width
Porch	Open Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	0803050470
Old Parcel Number	80803050470
Street Address	45 GERARD AVE
City	TIMONIUM
State	MD
Zip	21093-3406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	YORKSHIRE
Legal Subdivision	YORKSHIRE
Legal Block	E
Legal Lot Number	5
Jurisdiction	BALTIMORE MD
Township / Civil Division	8
Census Block Group	4
Census Block	4005
Census Tract	408601

Owner

Source: Baltimore County records, as of September 22, 2023

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

Owner of Record	Company Name on Record
Mailing Address	45 GERARD AVE, TIMONIUM, MD 21093-3406
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2021	Deed, Transfer
Dec 8, 2020	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Oct 29, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
Sep 29, 2020	Grant Deed, Transfer OMNI LAND SETTLEMENT CORPORATION, OMNI LAND SETTLEMENT CORP
Oct 2, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Prior Sale	Sep 29, 2020 · Amount on Record
Deed Document Number	0004612149
Deed Book / Page	46121 / 49
Record Updated	Jun 7, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BALTIMORE MD
Recording Date	Dec 30, 2021
Property Address	45 GERARD AVE, TIMONIUM, MD 21093-3406
Document Number	0461210049
Book / Page	46121 / 49
Map Reference	MB 22 PG 25
Instrument Date	Jun 21, 2021
Transaction Type	Transfer
Record Updated	Jan 13, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	45 GERARD AVE, TIMONIUM, MD 21093-3406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0437540280
Date	Dec 8, 2020
Book Page	43754/280

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	743 Months
Due	Nov 1, 2082

Interest

Rate Type	Adjustable Rate
Rate	3.31%
Type Change Date	Nov 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	45 GERARD AVE, TIMONIUM, MD 21093-3406
Document Number	0437540298
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Jan 6, 2021
Title Company	NATIONAL TITLE COMPANY (H, NATIONAL TITLE CO (H

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 GERARD AVE LUTHERVILLE TIMONIUM MD 210933406, LUTHERVILLE TIMONIUM, MD 21093-3406

Mortgage

Document Number	0437540298
Date	Dec 8, 2020
Book Page	043754/000298

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	744 Months
Due	Dec 7, 2082

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BALTIMORE MD
Recording Date	Sep 29, 2020
Property Address	45 GERARD AVE, TIMONIUM, MD 21093-3406
Document Number	0433880130
Book / Page	043388 / 000130
Instrument Date	Sep 2, 2020
Transaction Type	Transfer
Record Updated	Oct 8, 2020
Title Company	OMNI LAND SETTLEMENT CORPORATION, OMNI LAND SETTLEMENT CORP

Transaction

Amount	Amount Recorded
Tax	$30.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	45 GERARD AVE LUTHERVILLE TIMONIUM MD 210933406, LUTHERVILLE TIMONIUM, MD 21093-3406

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BALTIMORE MD
Recording Date	Oct 2, 2019
Property Address	45 GERARD AVE, TIMONIUM, MD 21093-3406
Document Number	0419390130
Book / Page	041939 / 000130
Instrument Date	Sep 19, 2019
Transaction Type	Transfer
Record Updated	Oct 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2221 MARYLAND AVE BALTIMORE MD 212185627, BALTIMORE, MD 21218-5627
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Baltimore County assessment roll, as of July 1, 2023

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
2023	$3,689.00	$249,933	$293,800 Land $109,100 Building $184,700

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1985)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 1985 · tidal / storm surge

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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 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 211 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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