489 Stratford Rd, Fallston, MD 21047 Property Records

Harford County property record for 489 Stratford Rd, Fallston, MD 21047

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 5,166 sqft · built 2006
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Jun 2005)
Tax Bill	$7,841 (2025)
Deeds & Mortgages	Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-365891`

Property Details

APN / Parcel Number

Primary APN	`03-365891`
Alternative APN	`365891`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,166 sqft Total Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	87,556 sqft (2.01 acres)
Garage Type	Mixed
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	365891
Street Address	489 STRATFORD RD
City	FALLSTON
State	MD
Zip	21047-2923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 2 2.01 AC 489 STRATFORD ROAD ISAAC PROP PT 115/86
Legal Subdivision	ISAAC PROP
Legal Lot Number	2
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1010
Census Tract	303400

Owner

Source: Harford County assessment roll, APN 03-365891, as of August 12, 2025 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	489 STRATFORD RD, FALLSTON, MD 21047-2923
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 01, 2005 · Amount on Record
Deed Sale	Jun 01, 2005 · Amount on Record
Prior Sale	Nov 17, 2004 · Amount on Record
Deed Document Number	20052721
Deed Book / Page	6067 / 587
Transfer Doc	0000002248
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	489 STRATFORD RD, FALLSTON, MD 21047-2923
Document Number	0132280252
Instrument Date	Apr 04, 2019
Transaction Type	Mortgage
Record Updated	Apr 26, 2019
Title Company	EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	489 STRATFORD RD FALLSTON MD 210472923, FALLSTON, MD 21047-2923

Mortgage

Document Number	0132280252
Date	Apr 17, 2019
Book Page	013228/000252

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2049

Tax Assessment & Valuation

Source: Harford County assessment roll as of August 12, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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
2026		$811,633 (+18.3%)	$951,100 (+28.2%) Land $145,000 Building $806,100
2025	$7,841.00 (+8.41%) Homeowner's exemption
2023		$686,100	$741,900 Land $145,000 Building $596,900
2022	$7,233.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Harford County (24025C), as of October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240253034001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	8 in force
Nearby Flood Claims	2 (1979–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2013 · other causes

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 99 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20