Harford County property record for 531 Kirkcaldy Way, Abingdon, MD 21009
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,520 sqft · built 2003 |
| Lot Size | 0.046 acres (2,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $193,954 (Sep 2013) |
| Tax Bill | $3,414 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-328247 |
| Primary APN | 01-328247 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,520 sqft Total Area |
| Basement Area | 420 sqft |
| Finished Basement | 420 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,000 sqft (0.046 acres) |
| Garage Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 328247 |
|---|---|
| Street Address | 531 KIRKCALDY WAY |
| City | ABINGDON |
| State | MD |
| Zip | 21009-2419 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3COS |
| Legal Description | LOT 100 2000 SF 531 KIRKCALDY WAY MONMOUTH MEAD P 101/97 |
| Legal Subdivision | PHASE 1 SECTION 3 MONMOUTH MEADOWS |
| Legal Lot Number | 100 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 301202 |
Source: Harford County records, as of September 1, 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 | 531 KIRKCALDY WAY, ABINGDON, MD 21009-2419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2026 | Deed of Trust, Mortgage · Line of Credit MORTGAGE MORTGAGE |
| Jul 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Aug 21, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FCU OF MARYLAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2013 · Amount on Record |
| Deed Sale | Sep 10, 2013 · Amount on Record |
| Prior Sale | Jun 20, 2003 · Amount on Record |
| Deed Book / Page | 10475 / 229 |
| Last Transfer Date | Oct 16, 2015 |
| Transfer Doc | 0115620207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Aug 24, 2026 |
| Property Address | 531 KIRKCALDY WAY, ABINGDON, MD 21009-2419 |
| Document Number | 1726000179 |
| Book / Page | 17261 / 179 |
| Instrument Date | Apr 16, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 531 KIRKCALDY WAY, ABINGDON, MD 21009-2419 |
| Document Number | 1726000179, |
|---|---|
| Date | Aug 24, 2026 |
| Book Page | 17261/179 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 531 KIRKCALDY WAY, ABINGDON, MD 21009-2419 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0149170377 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | 14917/377 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 294 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 531 KIRKCALDY WAY, ABINGDON, MD 21009-2419 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0129500433 |
|---|---|
| Date | Aug 21, 2018 |
| Book Page | 12950/0433 |
| Name | FIRST FINANCIAL FCU OF MARYLAND |
|---|---|
| Type | Credit Union |
| Address | LUTHERVILLE TIMONIUM, MD 21093 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,414.00 (+17.08%) Homeowner's exemption | $313,300 (+6.71%) Land $75,000 Building $238,300 | $313,300 (-) Land $75,000 Building $238,300 |
| 2025 | $2,916.00 (+8%) Homeowner's exemption | $293,600 (+15.5%) | $313,300 (+23.25%) Land $75,000 Building $238,300 |
| 2023 | $254,200 Land $75,000 Building $179,200 | $254,200 Land $75,000 Building $179,200 | |
| 2022 | $2,700.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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