Harford County property record for 495 Stratford Rd, Fallston, MD 21047
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,584 sqft · built 1998 |
| Lot Size | 0.537 acres (23,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $547,501 (Jun 2005) |
| Tax Bill | $5,862 (2026) |
| Deeds & Mortgages | Jun 2020 Mortgage Mar 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-318737 |
| Primary APN | 03-318737 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,584 sqft Total Area |
| Basement Area | 720 sqft |
| Finished Basement | 720 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 23,400 sqft (0.537 acres) |
| Garage Type | Built-in |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 448 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 318737 |
|---|---|
| Street Address | 495 STRATFORD RD |
| City | FALLSTON |
| State | MD |
| Zip | 21047-2923 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 57 23400 SF 495 STRATFORD ROAD WOODCREST S3 PT 90/17 |
| Legal Subdivision | WOODCREST |
| Legal Lot Number | 57 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 303400 |
495 Stratford Rd is owned and occupied by two individuals who bought it in June 2005.
Source: Harford County records, as of August 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 495 STRATFORD RD, FALLSTON, MD 21047-2923 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN BANK |
| Mar 10, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF NAT'L TR & SVGS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2005 · Amount on File |
| Deed Sale | Jun 21, 2005 · Amount on File |
| Prior Sale | Feb 4, 2003 · Amount on File |
| Deed Document Number | 20052920 |
| Deed Book / Page | 6108 / 104 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 495 STRATFORD RD, FALLSTON, MD 21047-2923 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | MID ATLATNIC ITTLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0139060020 |
|---|---|
| Date | Jun 11, 2020 |
| Book Page | 13906/20 |
| Name | MERIDIAN BANK |
|---|---|
| Type | Bank |
| Address | BLUE BELL, PA 19422 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 495 STRATFORD RD, FALLSTON, MD 21047-2923 |
| Document Number | 0127660301 |
| Instrument Date | Mar 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2018 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 495 STRATFORD RD FALLSTON MD 210472923, FALLSTON, MD 21047-2923 |
| Document Number | 0127660301 |
|---|---|
| Date | Apr 6, 2018 |
| Book Page | 012766/000301 |
| Name | BANK OF NAT'L TR & SVGS |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 5, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 495 Stratford Rd was $5,862 with a homeowner's exemption, up 12.4% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,862.00 (+12.43%) Homeowner's exemption | $537,867 | $622,800 Land $130,600 Building $492,200 |
| 2025 | $5,214.00 Homeowner's exemption | ||
| 2023 | $461,467 | $495,400 Land $130,600 Building $364,800 | |
| 2022 | $4,844.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 495 Stratford Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 | 8 in force |
| Nearby Flood Claims | 2 (1979–2013) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 2013 · other causes |
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 495 Stratford 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.
Source: FCC Broadband Data Collection, based on 99 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 |
| AT&T Fixed Wireless | 100 / 20 |
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