Harford County property record for 469 Commerce St, Havre De Grace, MD 21078
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,300 sqft · built 1927 |
| Lot Size | 0.372 acres (16,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $960,000 (Feb 2021) |
| Tax Bill | $9,800 (2026) |
| Deeds & Mortgages | Feb 2017 Mortgage Jan 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-012906 |
| Primary APN | 06-012906 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,300 sqft Total Area |
| Basement Area | 1,200 sqft |
| Finished Basement | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Exterior Material | Brick |
| Roof Material | Slate |
| Lot Area | 16,200 sqft (0.372 acres) |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 1,152 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 380 sqft |
| Deck Area | 161 sqft |
| Patio Area | 1,022 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Account Number | 012906 |
|---|---|
| Street Address | 469 COMMERCE ST |
| City | HAVRE DE GRACE |
| State | MD |
| Zip | 21078-3602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 1 16200 SF 469 COMMERCE STREET 469 COMMERCE ST P 124/86 |
| Legal Subdivision | HAVRE DE GRACE |
| Legal Lot Number | 1 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 6, HAVRE DE GRACE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 306200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Havre de Grace Historic District listed 1982 · 904 contributing resources · NRIS 82002815 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
469 Commerce St is owned and occupied by two individuals who bought it in February 2021.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 469 COMMERCE ST, HAVRE DE GRACE, MD 21078-3602 |
| 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.
| Date | Document |
|---|---|
| Feb 2, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ABERDEEN PROVING GROUND FCU |
| Jan 4, 2022 | Deed of Trust, Mortgage · Line of Credit FULTON BANK NA |
| Feb 16, 2021 | Deed, Transfer · Conventional Mortgage FULTON BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 16, 2021 · Amount on File |
| Deed Sale | Feb 16, 2021 · Amount on File |
| Prior Sale | Dec 11, 2007 · Amount on File |
| Deed Book / Page | 14495 / 391 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 469 COMMERCE ST, HAVRE DE GRACE, MD 21078-3602 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | GETZ TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0122120042 |
|---|---|
| Date | Feb 2, 2017 |
| Book Page | 12212/0042 |
| Instrument | 12212-0042 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 469 COMMERCE ST, HAVRE DE GRACE, MD 21078-3602 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 469 COMMERCE ST, HAVRE DE GRACE, MD 21078-3602 |
| Document Number | 0152830345 |
|---|---|
| Date | Jan 4, 2022 |
| Book Page | 15283/345 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | LUTHERVILLE TIMONIUM, MD 21093 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Feb 16, 2021 |
| Property Address | 469 COMMERCE ST, HAVRE DE GRACE, MD 21078-3602 |
| Document Number | 0144950391 |
| Book / Page | 14495 / 391 |
| Map Reference | MB 124 FO 86 |
| Instrument Date | Jan 15, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2621 JOHNSON MILL RD, FOREST HILL, MD 21050-1730 |
| Document Number | 0014495398 |
|---|---|
| Date | Feb 16, 2021 |
| Instrument | 14495/398 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
The 2026 property tax bill for 469 Commerce St was $9,800 with a homeowner's exemption, up 46.7% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Municipality | Havre De Grace City |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,800.00 (+46.71%) Homeowner's exemption | $1,028,100 | $1,089,800 Land $135,000 Building $954,800 |
| 2025 | $6,680.00 Homeowner's exemption | ||
| 2023 | $801,433 | $904,700 Land $135,000 Building $769,700 | |
| 2022 | $5,988.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 469 Commerce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1978–2010) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2010 · rainfall accumulation |
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 risk around 469 Commerce St is low, with less than 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 93% of the US · lower than 85% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF HAVRE DE GRACE serves 14,000 people · EPA ID MD0120012 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2016 |
|---|---|
| Treatment and Procedure | Organic carbon removal Oct 2023 |
| Monitoring and Reporting | 16 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.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| IQ Fiber Fiber | 1,000 / 1,000 |
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