Harford County property record for 522 Harbour Ct, Havre De Grace, MD 21078
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,240 sqft · built 1997 |
| Lot Size | 0.046 acres (2,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Sep 2011) |
| Tax Bill | $2,063 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage Oct 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-054439 |
| Primary APN | 06-054439 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,240 sqft Total Area |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,000 sqft (0.046 acres) |
| Patio Area | 300 sqft |
| Balcony Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 054439 |
|---|---|
| Street Address | 522 HARBOUR CT |
| City | HAVRE DE GRACE |
| State | MD |
| Zip | 21078-4260 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R2 |
| Legal Description | LT 55 2000 SF 522 HARBOUR COURT WOODS OF BAYVIEW P 80/37 |
| Legal Subdivision | WOODS BAY VIEW |
| Legal Lot Number | 55 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 6, HAVRE DE GRACE |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 306400 |
522 Harbour Ct, a townhouse, is owned by two individuals who bought it in September 2011.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 414 BRIAN GARTH, HAVRE DE GRACE, MD 21078-4120 |
| 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 |
|---|---|
| Oct 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SEMPER HOME LOANS INC |
| Oct 6, 2017 | Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2011 · Amount on File |
| Deed Sale | Sep 16, 2011 · Amount on File |
| Prior Sale | Sep 21, 2007 · Amount on File |
| Deed Book / Page | 9324 / 441 |
| Transfer Doc | 0000000509 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 522 HARBOUR CT, HAVRE DE GRACE, MD 21078-4260 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | CASTLE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0141540355 |
|---|---|
| Date | Oct 5, 2020 |
| Book Page | 14154/355 |
| Name | SEMPER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | PROVIDENCE, RI 02907 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 522 HARBOUR CT, HAVRE DE GRACE, MD 21078-4260 |
| Document Number | 0125610210 |
| Book / Page | 012561 / 000210 |
| Instrument Date | Oct 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2017 |
| Name | Verified Name |
|---|---|
| Address | 414 BRIAN GARTH HAVRE DE GRACE MD 210784120, HAVRE DE GRACE, MD 21078-4120 |
| Document Number | 0125610210 |
|---|---|
| Date | Oct 18, 2017 |
| Book Page | 012561/000210 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 17, 2032 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 522 Harbour Ct was $2,063, up 20.4% 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 | $2,063.00 (+20.36%) | $216,467 (+9.25%) | $234,800 (-) Land $60,000 Building $174,800 |
| 2025 | $1,714.00 | $198,133 | $234,800 Land $60,000 Building $174,800 |
| 2023 | $176,100 | $179,800 Land $50,000 Building $129,800 | |
| 2022 | $1,643.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 522 Harbour Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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 | 3 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 522 Harbour Ct is low, with less than 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 93% of the US · lower than 85% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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 429 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 |
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