Harford County property record for 510 Commerce St, Havre De Grace, MD 21078
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,312 sqft · built 1931 |
| Lot Size | 2.03 acres (88,427 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,100,000 (Dec 2016) |
| Tax Bill | $11,265 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-012892 |
| Primary APN | 06-012892 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,312 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1931 |
|---|---|
| Effective Year Built | Effective 1931 |
| Exterior Material | Stone |
| Roof Material | Slate |
| Lot Area | 88,427 sqft (2.03 acres) |
| Lot Dimensions | 310 ft deep x 220 ft wide |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1,000 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 630 sqft |
| Patio Area | 180 sqft |
| Bath House | 364 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Account Number | 012892 |
|---|---|
| Street Address | 510 COMMERCE ST |
| City | HAVRE DE GRACE |
| State | MD |
| Zip | 21078-3664 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 2 2.03 AC 510 COMMERCE STREET 510 COMMERCE 202/89 |
| Legal Subdivision | HAVRE DE GRACE |
| Legal Lot Number | 2 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 6, HAVRE DE GRACE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 306200 |
510 Commerce St is owned and occupied by two individuals who bought it in December 2016.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 510 COMMERCE ST, HAVRE DE GRACE, MD 21078-3664 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2016 · Amount on File |
| Deed Sale | Dec 29, 2016 · Amount on File |
| Deed Document Number | 201612161-0110 |
| Deed Book / Page | 12161 / 110 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 510 Commerce St was $11,265 with a homeowner's exemption, up 14.5% 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 | $11,265.00 (+14.49%) Homeowner's exemption | $1,181,700 (+6.76%) | $1,256,500 (-) Land $261,900 Building $994,600 |
| 2025 | $9,839.00 Homeowner's exemption | $1,106,900 | $1,256,500 Land $261,900 Building $994,600 |
| 2023 | $1,008,700 | $1,032,100 Land $261,900 Building $770,200 | |
| 2022 | $9,392.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 510 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 510 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.
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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures