Harford County property record for 54 Ray Ave, Aberdeen, MD 21001
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,254 sqft · built 1980 |
| Lot Size | 0.048 acres (2,100 sqft) |
| Owner | Company Name on File |
| Last Sale | $160,000 (Sep 2025) |
| Tax Bill | $1,530 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2025 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-021633 |
| Primary APN | 02-021633 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,254 sqft Total Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,100 sqft (0.048 acres) |
| Lot Dimensions | 105 ft deep x 20 ft wide |
| Deck Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 021633 |
|---|---|
| Street Address | 54 RAY AVE |
| City | ABERDEEN |
| State | MD |
| Zip | 21001-3038 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LT 2 20/20X105 AVG 54 RAY AVENUE BRENTWOOD SQ PT 31/80 |
| Legal Subdivision | BRENTWOOD SQUARE 31 80 |
| Legal Block | B |
| Legal Lot Number | 2 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 2, HALLS CROSS ROADS |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 302802 |
54 Ray Ave, a townhouse, is owned by a company that bought it in September 2025.
Source: Harford County records, as of August 25, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 108 MARDAN DR, REISTERSTOWN, MD 21136-3400 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Dec 16, 2025 | Deed of Trust, Mortgage · Commercial Mortgage RFLF 4 LLC |
| Sep 16, 2025 | Deed, Construction Loan · Construction Mortgage RFLF 4 LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2025 · Amount on File |
| Deed Sale | Sep 16, 2025 · Amount on File |
| Prior Sale | Apr 7, 1981 · Amount on File |
| Deed Book / Page | 16808 / 374 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 54 RAY AVE, ABERDEEN, MD 21001-3038 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2025 |
| Title Company | UNKNOWN, NRETS LLC DBA ENDEAVOR TITLE |
| Name | Verified Name |
|---|---|
| Address | 108 MARDAN DR, REISTERSTOWN, MD 21136-3400 |
| Document Number | 0169320454 |
|---|---|
| Date | Dec 16, 2025 |
| Book Page | 16932/454 |
| Name | RFLF 4 LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | CHICAGO, IL 60606 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 16, 2025 |
| Property Address | 54 RAY AVE, ABERDEEN, MD 21001-3038 |
| Document Number | 0168080374 |
| Book / Page | 16808 / 374 |
| Map Reference | MB 31 FO 80 |
| Instrument Date | Sep 2, 2025 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 25, 2025 |
| Title Company | ENDEAVOR TITLE LLC, ENDEAVOR TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 MARDAN DR, REISTERSTOWN, MD 21136-3400 |
| Document Number | 0016808379 |
|---|---|
| Date | Sep 16, 2025 |
| Instrument | 16808/379 |
| Name | RFLF 4 LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Oct 1, 2026 |
The 2026 property tax bill for 54 Ray Ave was $1,530, up 10.1% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| Municipality | Aberdeen City |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,530.00 (+10.07%) | $160,500 (+4.77%) Land $40,000 Building $120,500 | $160,500 (-) Land $40,000 Building $120,500 |
| 2025 | $1,390.00 | $153,200 | $160,500 Land $40,000 Building $120,500 |
| 2023 | $138,600 Land $40,000 Building $98,600 | $138,600 Land $40,000 Building $98,600 | |
| 2022 | $1,303.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 54 Ray Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1996) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 1996 · 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 risk around 54 Ray Ave 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 ABERDEEN serves 18,006 people · EPA ID MD0120001 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2023 |
| 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 | None 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 494 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 |
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