525 45th St, Baltimore, MD 21224 Property Records

Baltimore County property record for 525 45th St, Baltimore, MD 21224

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,152 sqft · built 1927
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$274,999 (Jun 2026)
Tax Bill	$2,167 (2025)
Deeds & Mortgages	Jul 2025 Reverse Mortgage Jun 2026 Sale & Mortgage + 1 more
APN	`12-1220000681`

Property Details

APN / Parcel Number

Primary APN	`12-1220000681`
Alternative APN	`1220000681`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,152 sqft Living Area
Gross Area	1,296 sqft
1st Floor Area	576 sqft
Basement Area	100 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	135 ft deep x 40.7 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1220000681
Street Address	525 45TH ST
City	BALTIMORE
State	MD
Zip	21224-3026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 893,894 HARBOR VIEW
Legal Subdivision	HARBOR VIEW
Legal Block	2
Legal Lot Number	893,8
Jurisdiction	BALTIMORE MD
Township / Civil Division	12
Census Block Group	2
Census Block	2005
Census Tract	420500

Owner

Source: Baltimore County records, as of October 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	525 45TH ST, BALTIMORE, MD 21224-3026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2025	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jun 10, 2026	Deed, Transfer · Conventional Mortgage DEPARTMENT OF HOUSING AND COM
Mar 4, 2026	Deed, Construction Loan · Construction Mortgage RFLF 4 LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2026 · Amount on Record
Deed Sale	Jun 10, 2026 · Amount on Record
Prior Sale	Mar 4, 2026 · Amount on Record
Deed Document Number	2026
Deed Book / Page	51407 / 162
Prior Transfer Date	Apr 24, 2025
Prior Transfer Doc	0501150107
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	525 45TH ST, BALTIMORE, MD 21224-3026
Transaction Type	Mortgage
Record Updated	Jun 24, 2026
Title Company	ACRISURE NLS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 45TH ST, BALTIMORE, MD 21224-3026

Mortgage

Document Number	0503390141
Date	Jul 29, 2025
Book Page	50339/141

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	813 Months
Due	Apr 13, 2093

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BALTIMORE MD
Recording Date	Jun 10, 2026
Property Address	525 45TH ST, BALTIMORE, MD 21224-3026
Document Number	5140000162
Book / Page	51407 / 162
Instrument Date	May 28, 2026
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	LEGACY SETTLEMENT SERVICES LLC, LEGACY SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277,748.99
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	525 45TH ST, BALTIMORE, MD 21224-3026

Mortgage

Document Number	5140000171,
Date	Jun 10, 2026
Book Page	51407/171

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	5140000191,
Date	Jun 10, 2026
Book Page	51407/191

Lender

Name	DEPARTMENT OF HOUSING AND COM

Agreement

Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

March 2026: Deed, Construction Loan

Document Type	Deed
Jurisdiction	BALTIMORE MD
Recording Date	Mar 4, 2026
Property Address	525 45TH ST, BALTIMORE, MD 21224-3026
Document Number	0510600090
Book / Page	51060 / 90
Map Reference	MB WPC 5 FO 80
Instrument Date	Feb 18, 2025
Transaction Type	Construction Loan
Record Updated	Mar 12, 2026
Title Company	ENDEAVOR TITLE LLC, ENDEAVOR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 SHREWSBURY CT, PERRY HALL, MD 21128-9159

Mortgage

Document Number	0005106098
Date	Mar 4, 2026
Instrument	51060/98

Lender

Name	RFLF 4 LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 1, 2027

Tax Assessment & Valuation

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	$2,167.00 (-2.43%)	$122,933 (+7.08%)	$127,000 (+10.63%) Land $62,400 Building $64,600
2024	$2,221.00 (+108.35%)
2023	$1,066.00 Homeowner's exemption	$114,800 Land $59,200 Building $55,600	$114,800 Land $59,200 Building $55,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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