643 Frans Dr, Abingdon, MD 21009 Property Records

Harford County property record for 643 Frans Dr, Abingdon, MD 21009

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,700 sqft · built 1995
Lot Size	0.201 acres (8,751 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Aug 2022)
Tax Bill	$3,444 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-068601`

Property Details

APN / Parcel Number

Primary APN	`01-068601`
Alternative APNs	`1068601` `068601`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,700 sqft Total Area
Basement Area	540 sqft
Finished Basement	540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,751 sqft (0.201 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	432 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	068601
Street Address	643 FRANS DR
City	ABINGDON
State	MD
Zip	21009-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 182 8751 SF 643 FRANS DRIVE LONG BAR HARBOR P78/108
Legal Subdivision	LONG BAR HARBOR
Legal Lot Number	182
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	1
Census Block	1025
Census Tract	301707

Owner

Source: Harford County records, as of August 18, 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	643 FRANS DR, ABINGDON, MD 21009-1422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Deed of Trust, Mortgage · Unknown BANK OF AMERICA NA
Feb 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Aug 5, 2022	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 26, 2019	Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2022 · Amount on Record
Deed Sale	Aug 5, 2022 · Amount on Record
Prior Sale	Mar 26, 2019 · Amount on Record
Deed Book / Page	15622 / 413
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	643 FRANS DR, ABINGDON, MD 21009-1422
Transaction Type	Mortgage
Record Updated	Dec 24, 2025
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 FRANS DR, ABINGDON, MD 21009-1422

Mortgage

Document Number	0169300136
Date	Dec 15, 2025
Book Page	16930/136

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Unknown
Amount	Amount Recorded
Term	357 Months
Due	Sep 29, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	643 FRANS DR, ABINGDON, MD 21009-1422
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0137090281
Date	Feb 25, 2020
Book Page	13709/281

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 5, 2022
Property Address	643 FRANS DR, ABINGDON, MD 21009-1422
Document Number	0156220413
Book / Page	15622 / 413
Map Reference	MB 78 FO 108
Instrument Date	Jul 20, 2022
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	BLACK OAK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 FRANS DR, ABINGDON, MD 21009-1422

Mortgage

Document Number	0156220421
Date	Aug 5, 2022
Instrument	15622-0421

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Mar 26, 2019
Property Address	643 FRANS DR, ABINGDON, MD 21009-1422
Document Number	0132010047
Book / Page	13201 / 0047
Map Reference	MB 78 FO 108
Instrument Date	Mar 15, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	KEY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	643 FRANS DR, ABINGDON, MD 21009-1422

Mortgage

Document Number	0001320155
Date	Mar 26, 2019
Instrument	13201/55

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2034

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$366,300 (+25.92%) Land $86,200 Building $280,100	$366,300 (+25.92%) Land $86,200 Building $280,100
2025	$3,444.00 (+12.96%)
2023		$290,900 Land $86,200 Building $204,700	$290,900 Land $86,200 Building $204,700
2022	$3,049.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2018 · 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	Low lower than 94% of the US · lower than 87% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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