Harford County property record for 524 Harbour Ct, Havre De Grace, MD 21078
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,240 sqft · built 1997 |
| Lot Size | 0.046 acres (2,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Oct 2025) |
| Tax Bill | $2,170 (2026) |
| Deeds & Mortgages | May 2021 Mortgage Oct 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-054420 |
| Primary APN | 06-054420 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,240 sqft Total Area |
| Basement Area | 450 sqft |
| Finished Basement | 450 sqft |
| 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) |
| Deck Area | 123 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 054420 |
|---|---|
| Street Address | 524 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 54 2000 SF 524 HARBOUR COURT WOODS OF BAYVIEW P 80/37 |
| Legal Subdivision | WOODS BAY VIEW |
| Legal Lot Number | 54 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 6, HAVRE DE GRACE |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 306400 |
524 Harbour Ct, a townhouse, is owned and occupied by an individual who bought it in October 2025.
Source: Harford County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 90 JONES CHAPEL RD, ELKTON, MD 21921-6811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
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 |
|---|---|
| May 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Oct 22, 2025 | Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Apr 11, 2018 | Deed, Transfer · FmHA Mortgage GATEWAY MORTGAGE GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 22, 2025 · Amount on File |
| Deed Sale | Oct 22, 2025 · Amount on File |
| Prior Sale | Apr 11, 2018 · Amount on File |
| Deed Book / Page | 16857 / 322 |
| Prior Transfer Date | Oct 6, 2009 |
| Prior Transfer Doc | 0000000106 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 524 HARBOUR CT, HAVRE DE GRACE, MD 21078-4260 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0147690358 |
|---|---|
| Date | May 21, 2021 |
| Book Page | 14769/358 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Oct 22, 2025 |
| Property Address | 524 HARBOUR CT, HAVRE DE GRACE, MD 21078-4260 |
| Document Number | 0168570322 |
| Book / Page | 16857 / 322 |
| Map Reference | MB CGH 80 FO 37 |
| Instrument Date | Oct 14, 2025 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $650.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 90 JONES CHAPEL RD, ELKTON, MD 21921-6811 |
| Document Number | 0016857329 |
|---|---|
| Date | Oct 22, 2025 |
| Instrument | 16857/329 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Apr 11, 2018 |
| Property Address | 524 HARBOUR CT, HAVRE DE GRACE, MD 21078-4260 |
| Document Number | 0127740365 |
| Book / Page | 12774 / 0365 |
| Map Reference | MB CGH 80/37 |
| Instrument Date | Mar 23, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | CERTIFIED TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,175.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 524 HARBOUR CT, HAVRE DE GRACE, MD 21078-4260 |
| Document Number | 0012774372 |
|---|---|
| Date | Apr 11, 2018 |
| Instrument | 12774/372 |
| Name | GATEWAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FmHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2048 |
The 2026 property tax bill for 524 Harbour Ct was $2,170 with a homeowner's exemption, up 29.3% 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 | $2,170.00 (+29.32%) Homeowner's exemption | $227,633 (+12.76%) | $253,400 (-) Land $60,000 Building $193,400 |
| 2025 | $1,678.00 | $201,867 | $253,400 Land $60,000 Building $193,400 |
| 2023 | $172,533 | $176,100 Land $50,000 Building $126,100 | |
| 2022 | $1,610.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 524 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 524 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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