Harford County property record for 524 Kirkcaldy Way, Abingdon, MD 21009
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,536 sqft · built 2003 |
| Lot Size | 0.048 acres (2,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Sep 2026) |
| Tax Bill | $3,550 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Apr 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-328476 |
| Primary APN | 01-328476 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,536 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Basement Area | 600 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,100 sqft (0.048 acres) |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 328476 |
|---|---|
| Street Address | 524 KIRKCALDY WAY |
| City | ABINGDON |
| State | MD |
| Zip | 21009-2418 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3COS |
| Legal Description | LOT 134 2100 SF 524 KIRKCALDY WAY MONMOUTH MEAD P 101/97 |
| Legal Subdivision | MONMOUTH MEADOWS |
| Legal Block | 4 |
| Legal Lot Number | 134 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 301202 |
524 Kirkcaldy Way, a townhouse, is owned and occupied by two individuals who bought it in September 2026.
Source: Harford County records, as of September 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 524 KIRKCALDY WAY, ABINGDON, MD 21009-2418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Sep 2, 2026 | Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
| Apr 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM FCU |
| Nov 2, 2021 | Deed, Transfer · VA Mortgage FULTON BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2026 · Amount on File |
| Deed Sale | Sep 2, 2026 · Amount on File |
| Prior Sale | Nov 2, 2021 · Amount on File |
| Deed Document Number | 2026 |
| Deed Book / Page | 17274 / 195 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 2, 2026 |
| Property Address | 524 KIRKCALDY WAY, ABINGDON, MD 21009-2418 |
| Document Number | 1727000195 |
| Book / Page | 17274 / 195 |
| Instrument Date | Aug 5, 2026 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2026 |
| Title Company | EAGLE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $383,800.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 524 KIRKCALDY WAY, ABINGDON, MD 21009-2418 |
| Document Number | 1727000203, |
|---|---|
| Date | Sep 2, 2026 |
| Book Page | 17274/203 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 524 KIRKCALDY WAY, ABINGDON, MD 21009-2418 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0123170264 |
|---|---|
| Date | Apr 26, 2017 |
| Book Page | 12317/0264 |
| Instrument | 12317-0264 |
| Name | FREEDOM FCU |
|---|---|
| Type | Credit Union |
| Address | BEL AIR, MD 21015 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2037 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Nov 2, 2021 |
| Property Address | 524 KIRKCALDY WAY, ABINGDON, MD 21009-2418 |
| Document Number | 0151520459 |
| Book / Page | 15152 / 459 |
| Map Reference | MB 101 PG 97 |
| Instrument Date | Oct 19, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | BLACK OAK TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 524 KIRKCALDY WAY, ABINGDON, MD 21009-2418 |
| Document Number | 0015152467 |
|---|---|
| Date | Nov 2, 2021 |
| Instrument | 15152/467 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
The 2026 property tax bill for 524 Kirkcaldy Way was $3,550, up 22% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,550.00 (+21.99%) | $325,800 (+9.91%) Land $75,000 Building $250,800 | $325,800 (-) Land $75,000 Building $250,800 |
| 2025 | $2,910.00 | $296,433 | $325,800 Land $75,000 Building $250,800 |
| 2023 | $237,700 Land $75,000 Building $162,700 | $237,700 Land $75,000 Building $162,700 | |
| 2022 | $2,526.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 524 Kirkcaldy Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2014 · other causes |
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 Kirkcaldy Way 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HARFORD COUNTY D.P.W. serves 104,567 people · EPA ID MD0120016 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 504 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
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