Harford County property record for 528 Harbour Ct, Havre De Grace, MD 21078
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,372 sqft · built 1997 |
| Lot Size | 0.046 acres (2,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (Jun 2023) |
| Tax Bill | $2,488 (2026) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Jan 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-054404 |
| Primary APN | 06-054404 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,372 sqft Total Area |
| Basement Area | 675 sqft |
| Finished Basement | 675 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 192 sqft |
| Balcony Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 054404 |
|---|---|
| Street Address | 528 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 52 2000 SF 528 HARBOUR COURT WOODS OF BAYVIEW P 80/37 |
| Legal Subdivision | WOODS BAYVIEW PH 01 |
| Legal Lot Number | 52 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 6, HAVRE DE GRACE |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 306400 |
528 Harbour Ct, a townhouse, is owned and occupied by an individual who bought it in June 2023.
Source: Harford County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 528 HARBOUR CT, HAVRE DE GRACE, MD 21078-4260 |
| 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 |
|---|---|
| Jun 16, 2023 | Deed, Transfer · Conventional Mortgage NAVY FCU |
| Jan 26, 2022 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2023 · Amount on File |
| Deed Sale | Jun 16, 2023 · Amount on File |
| Prior Sale | Jan 26, 2022 · Amount on File |
| Deed Book / Page | 15941 / 214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jun 16, 2023 |
| Property Address | 528 HARBOUR CT, HAVRE DE GRACE, MD 21078-4260 |
| Document Number | 0159410214 |
| Book / Page | 15941 / 214 |
| Map Reference | MB 80 FO 37 |
| Instrument Date | Jun 6, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2023 |
| Title Company | NOT AVAILABLE, KEY TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $812.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 528 HARBOUR CT, HAVRE DE GRACE, MD 21078-4260 |
| Document Number | 0159410221 |
|---|---|
| Date | Jun 16, 2023 |
| Instrument | 15941-0221 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4% |
| Max Rate At Change | 8% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 11% |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jan 26, 2022 |
| Property Address | 528 HARBOUR CT, HAVRE DE GRACE, MD 21078-4260 |
| Document Number | 0153290051 |
| Book / Page | 15329 / 51 |
| Map Reference | MVB CGH III 80 FO 37 |
| Instrument Date | Jan 12, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCE GUARANTY CO |
| 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 by the Entirety |
| Address | 528 HARBOUR CT, HAVRE DE GRACE, MD 21078-4260 |
| Document Number | 0001532957 |
|---|---|
| Date | Jan 26, 2022 |
| Instrument | 15329/57 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
The 2026 property tax bill for 528 Harbour Ct was $2,488, up 29.7% 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 | $2,488.00 (+29.65%) | $261,067 | $290,900 Land $60,000 Building $230,900 |
| 2025 | $1,919.00 | ||
| 2023 | $197,867 (+1.82%) | $201,400 (-) Land $50,000 Building $151,400 | |
| 2022 | $1,852.00 (-3.24%) | $194,333 | $201,400 Land $50,000 Building $151,400 |
| 2021 | $1,914.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 528 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 528 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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