508 Commerce St, Havre De Grace, MD 21078 Property Records

Harford County property record for 508 Commerce St, Havre De Grace, MD 21078

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,677 sqft · built 2019
Lot Size	0.627 acres (27,325 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Jun 2017)
Tax Bill	$9,473 (2026)
Deeds & Mortgages	Feb 2018 Construction Loan Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-399723`

Property Details

APN / Parcel Number

Primary APN	`06-399723`
Alternative APN	`399723`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,677 sqft Total Area
Basement Area	2,000 sqft
Finished Basement	2,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	27,325 sqft (0.627 acres)
Garage Type	Attached
Garage Area	526 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	399723
Street Address	508 COMMERCE ST
City	HAVRE DE GRACE
State	MD
Zip	21078-3658
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 1 27325 SF 508 COMMERCE STREET 510 COMMERCE 202/89
Legal Subdivision	PLAT 510 COMMERCE STREET
Legal Lot Number	1
Jurisdiction	HARFORD MD
Township / Civil Division	6, HAVRE DE GRACE
Census Block Group	3
Census Block	3002
Census Tract	306200

Historic Designation

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.

Owner

508 Commerce St is owned and occupied by an individual who bought it in June 2017.

Source: Harford County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	508 COMMERCE ST, HAVRE DE GRACE, MD 21078-3658
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2018	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Jun 8, 2017	Grant Deed, Transfer ROBERT C WARD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2017 · Amount on File
Deed Sale	Jun 8, 2017 · Amount on File
Deed Document Number	201712376-0085
Deed Book / Page	12376 / 85
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	508 COMMERCE ST, HAVRE DE GRACE, MD 21078-3658
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0126940058
Date	Feb 2, 2018
Book Page	12694/0058
Instrument	12694-0058

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	371 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.75%
Type Change Date	Jan 1, 2034
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 8, 2017
Property Address	508 COMMERCE ST, HAVRE DE GRACE, MD 21078-3658
Document Number	0123760085
Book / Page	012376 / 000085
Instrument Date	May 11, 2017
Transaction Type	Transfer
Record Updated	May 7, 2018
Title Company	RESIDENTIAL TITLE AND ESCROW INC, RESIDENTIAL TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
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	101 TIM TAM CT HAVRE DE GRACE MD 210782357, HAVRE DE GRACE, MD 21078-2357

Mortgage

Document Number	123760089
Date	Jun 8, 2017
Book Page	012376/000089

Lender

Name	ROBERT C WARD
Special Notes	Seller Financed

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 508 Commerce St was $9,473 with a homeowner's exemption, up 11.2% from the year before.

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Municipality	Havre De Grace City
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,473.00 (+11.16%) Homeowner's exemption	$993,800	$1,043,700 Land $223,600 Building $820,100
2025	$8,522.00 Homeowner's exemption
2023		$876,833	$894,000 Land $223,600 Building $670,400
2022	$8,195.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 508 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

Wildfire risk around 508 Commerce St 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	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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 374 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: IQ Fiber, Verizon.

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