Baltimore County property record for 522 Cole Ln, Middle River, MD 21220
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,870 sqft · built 1989 |
| Lot Size | 0.278 acres (12,109 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,732 (2024) |
| Deeds & Mortgages | Mar 2022 Line of Credit Jul 2020 Mortgage |
| APN | 15-1503474750 |
| Primary APN | 15-1503474750 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,870 sqft Living Area |
| Gross Area | 2,230 sqft |
| 1st Floor Area | 1,186 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 12,109 sqft (0.278 acres) |
| Lot Dimensions | 124 ft deep x 93.1 ft wide |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 766 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 1503474750 |
|---|---|
| Street Address | 522 COLE LN |
| City | MIDDLE RIVER |
| State | MD |
| Zip | 21220-2909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DR3.5 |
| Legal Description | WS COLE RD |
| Legal Block | 1 |
| Jurisdiction | BALTIMORE MD |
| Township / Civil Division | 15 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 451802 |
522 Cole Ln is owned and occupied by an individual who acquired it in March 2002.
Source: Baltimore County records, as of July 14, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 522 COLE LN, BALTIMORE, MD 21220-2909 |
| 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.
| Date | Document |
|---|---|
| Mar 21, 2022 | Deed of Trust, Mortgage · Line of Credit LM FEDERAL CU |
| Jul 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ALCOVA MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 18, 2002 |
| Deed Sale | Mar 18, 2002 |
| Deed Document Number | 2002229448 |
| Deed Book / Page | 16211 / 433 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Property Address | 522 COLE LN, BALTIMORE, MD 21220-2909 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2022 |
| Title Company | US TITLE INSURANCE AGENCY, CU TITLE INSURANCE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0465880468 |
|---|---|
| Date | Mar 21, 2022 |
| Book Page | 46588/468 |
| Name | LM FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | MIDDLE RIVER, MD 21220 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 3, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Property Address | 522 COLE LN, BALTIMORE, MD 21220-2909 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ELEVATED NATL SETMNT SVCS LL |
| Name | Verified Name |
|---|
| Document Number | 0431560220 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 43156/220 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ROANOKE, VA 24011 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2035 |
Source: Baltimore County assessment roll, as of July 14, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Baltimore County |
| Unified School District | Baltimore County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $479,467 | $491,500 Land $235,100 Building $256,400 | |
| 2024 | $6,732.00 (+105.12%) | ||
| 2023 | $3,282.00 Homeowner's exemption | $455,400 Land $262,000 Building $193,400 | $455,400 Land $262,000 Building $193,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 522 Cole Ln; there have been 175 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on File median of 168 policies |
| Nearby Flood Policies | 168 in force |
| Nearby Flood Claims | 175 (1979–2024) |
| Claims Outside the SFHA | 36 of 175 |
| Most Recent Claim | Aug 2024 · river or lake flooding |
| Claims by Event |
|
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.
The area around 522 Cole Ln 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| Believe Broadband Fixed Wireless | 500 / 100 |
5G (outdoors only) and 4G LTE
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