521 45th St, Baltimore, MD 21224 Property Records

Baltimore County property record for 521 45th St, Baltimore, MD 21224

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,240 sqft · built 1929
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Jul 2016)
Tax Bill	$3,680 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Mar 2026 Mortgage + 2 more
APN	`12-1202057585`

Property Details

APN / Parcel Number

Primary APN	`12-1202057585`
Alternative APN	`1202057585`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,240 sqft Living Area
1st Floor Area	928 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,250 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	200 sqft
Carport	Carport
Carport Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1202057585
Street Address	521 45TH ST
City	BALTIMORE
State	MD
Zip	21224-3026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 897,898 GRACELAND PARK
Legal Subdivision	GRACELAND PARK
Legal Block	2
Legal Lot Number	897
Jurisdiction	BALTIMORE MD
Township / Civil Division	12
Census Block Group	2
Census Block	2005
Census Tract	420500

Owner

521 45th St is owned by two individuals who bought it in July 2016.

Source: Baltimore County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	500 ELMWOOD RD, BALTIMORE, MD 21206-2127
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 11, 2023	Deed of Trust, Mortgage · Commercial Mortgage HIGHLAND INVESTORS CAPITAL LLC
Mar 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage NFM LENDING
Apr 2, 2026	Quit Claim Deed, Transfer UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE
Jan 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage TONY DI FATTA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2016 · Amount on File
Deed Sale	Jul 29, 2016 · Amount on File
Deed Book / Page	37809 / 470
Prior Transfer Date	Dec 16, 2011
Prior Transfer Doc	0315610497
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	521 45TH ST, BALTIMORE, MD 21224-3026
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	TRUE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0486100038
Date	Dec 11, 2023
Book Page	48610/38

Lender

Name	HIGHLAND INVESTORS CAPITAL LLC
Type	Non-Lending Institution
Address	TOWSON, MD 21204

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	521 45TH ST, BALTIMORE, MD 21224-3026
Transaction Type	Mortgage
Record Updated	Apr 7, 2026
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 ELMWOOD RD, BALTIMORE, MD 21206-2127

Mortgage

Document Number	0511320420
Date	Mar 26, 2026
Book Page	51132/420

Lender

Name	NFM LENDING
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BALTIMORE MD
Recording Date	Apr 2, 2026
Property Address	521 45TH ST, BALTIMORE, MD 21224-3026
Document Number	0511510266
Book / Page	51151 / 266
Instrument Date	Mar 13, 2026
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	500 ELMWOOD RD, BALTIMORE, MD 21206-2127

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	521 45TH ST, BALTIMORE, MD 21224-3026
Document Number	0386710069
Book / Page	038671 / 000069
Instrument Date	Jan 24, 2017
Transaction Type	Mortgage
Record Updated	Mar 21, 2017
Title Company	MICASA TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 S 45TH ST DUNDALK MD 21222, DUNDALK, MD 21222

Mortgage

Document Number	0386710069
Date	Feb 27, 2017
Book Page	038671/000069

Lender

Name	TONY DI FATTA
Address	1823 COSNER RD, FOREST HILL, MD 21050-2211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	Feb 26, 2019

Interest

Rate Type	Fixed Rate
Rate	12%

Tax Assessment & Valuation

The 2025 property tax bill for 521 45th St was $3,680, up 12.1% from the year before.

Source: Baltimore County assessment roll, as of July 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,680.00 (+12.13%)	$185,533	$197,600 Land $65,100 Building $132,500
2024	$3,282.00 (+1.64%)
2023	$3,229.00	$161,400 Land $62,000 Building $99,400	$161,400 Land $62,000 Building $99,400

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

Flood

FEMA has no flood map on file for 521 45th St; there have been 1 flood claim nearby since 2014.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2014 · 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

The area around 521 45th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 BALTIMORE serves 1,600,000 people · EPA ID MD0300002
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 E. coli resolved · Sep 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 755 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
Believe Broadband Fixed Wireless	500 / 100

May also be available: AT&T, BridgeMAXX Suncoast Broadband.

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