515 Counterpoint Cir, Havre De Grace, MD 21078 Property Records

Harford County property record for 515 Counterpoint Cir, Havre De Grace, MD 21078

Property Summary

Property Type	Townhouse
Details	3 ba · 2,900 sqft · built 2011
Lot Size	0.095 acres (4,120 sqft)
Owner	2 Individual Names on File
Last Sale	$296,380 (Jun 2017)
Tax Bill	$3,486 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-076769`

Property Details

APN / Parcel Number

Primary APN	`06-076769`
Alternative APN	`076769`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,900 sqft Total Area
Basement Area	669 sqft
Finished Basement	669 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,120 sqft (0.095 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	62 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	076769
Street Address	515 COUNTERPOINT CIR
City	HAVRE DE GRACE
State	MD
Zip	21078-2691
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2
Legal Description	LOT 954 4120 SF 515 COUNTERPOINT CIRCLE BULLE ROCK PT 124/34
Legal Subdivision	BULLE ROCK
Legal Lot Number	954
Jurisdiction	HARFORD MD
Township / Civil Division	6, HAVRE DE GRACE
Census Block Group	3
Census Block	3007
Census Tract	306300

Owner

515 Counterpoint Cir, a townhouse, is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	515 COUNTERPOINT CIR, HAVRE DE GRACE, MD 21078-2691
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
Apr 24, 2020	Deed of Trust, Mortgage · Conventional with PMI FIRST FIN
Jun 26, 2017	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2017 · Amount on File
Deed Sale	Jun 26, 2017 · Amount on File
Prior Sale	Aug 1, 2011 · Amount on File
Deed Document Number	201712405-0001
Deed Book / Page	12405 / 1
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	515 COUNTERPOINT CIR, HAVRE DE GRACE, MD 21078-2691
Document Number	0138240140
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5415 COUNTERPOINT CIR HAVRE DE GRACE MD 21078, HAVRE DE GRACE, MD 21078

Mortgage

Document Number	0138240140
Date	Apr 30, 2020
Book Page	013824/000140

Lender

Name	FIRST FIN
Type	Funding / Finance Company
Address	MILLERSVILLE, MD 21108

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2050

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 26, 2017
Property Address	515 COUNTERPOINT CIR, HAVRE DE GRACE, MD 21078-2691
Document Number	0124050001
Book / Page	12405 / 0001
Map Reference	MB124 FO34
Instrument Date	Jun 7, 2017
Instrument	12405-0001
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	LAWYERS TRUST TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,145.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	515 COUNTERPOINT CIR, HAVRE DE GRACE, MD 21078-2691

Mortgage

Document Number	0124050008
Date	Jun 26, 2017
Instrument	12405-0008

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 515 Counterpoint Cir was $3,486, up 17.2% 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	$3,486.00 (+17.22%)	$365,733	$392,600 Land $80,000 Building $312,600
2025	$2,974.00
2023		$308,933	$312,000 Land $80,000 Building $232,000
2022	$2,406.00

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

Flood

FEMA maps place 515 Counterpoint Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.

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	7 in force
Nearby Flood Claims	2 (2011–2022)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2022 · river or lake flooding

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 515 Counterpoint Cir 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.

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 271 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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