6496 Harmony Rd, Preston, MD 21655 Property Records

Caroline County property record for 6496 Harmony Rd, Preston, MD 21655

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,288 sqft · built 2018
Lot Size	6.51 acres (283,576 sqft)
Owner	2 Individual Names on Record
Last Sale	$60,000 (May 2018)
Tax Bill	$4,095 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-012482`

Property Details

APN / Parcel Number

Primary APN	`08-012482`
Alternative APNs	`8012482` `012482`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,288 sqft Total Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	283,576 sqft (6.51 acres)

Exterior Amenities

Porch	Slab
Porch Area	156 sqft
Deck Area	440 sqft
Shed	1 Shed
Shed Area	1,200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	012482
Street Address	6496 HARMONY RD
City	PRESTON
State	MD
Zip	21655-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	6.51 AC W/S MD RTE 16 NE OF HARMONY
Legal Subdivision	SALEM SURVEY CO PRESTON
Jurisdiction	CAROLINE MD
Township / Civil Division	8, AMERICAN CORNER
Census Block Group	1
Census Block	1050
Census Tract	955400

Owner

Source: Caroline County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	6496 HARMONY RD, PRESTON, MD 21655-1903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Aug 26, 2021	Deed of Trust, Mortgage · Line of Credit PROVIDENT STATE BANK INC
Feb 14, 2019	Deed of Trust, Mortgage · VA Mortgage PROVIDENT STATE BANK INC
May 11, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
May 1, 2018	Deed, Transfer · ARM PROVIDENT STATE BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2018 · Amount on Record
Deed Sale	May 1, 2018 · Amount on Record
Prior Sale	Jan 11, 2008
Deed Book / Page	1308 / 186
Prior Transfer Date	Jan 9, 2008
Prior Transfer Doc	0007980693
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	6496 HARMONY RD, PRESTON, MD 21655-1903
Transaction Type	Mortgage
Record Updated	Jul 11, 2023
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014720148
Date	Feb 26, 2021
Book Page	1472/148

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	6496 HARMONY RD, PRESTON, MD 21655-1903
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6496 HARMONY RD, PRESTON, MD 21655-1903

Mortgage

Document Number	0015170145
Date	Aug 26, 2021
Book Page	1517/145

Lender

Name	PROVIDENT STATE BANK INC
Type	Bank
Address	PRESTON, MD 21655

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	6496 HARMONY RD, PRESTON, MD 21655-1903
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	EASTERN SHORE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013450235
Date	Feb 14, 2019
Book Page	1345/235

Lender

Name	PROVIDENT STATE BANK INC
Type	Bank
Address	PRESTON, MD 21655

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	6496 HARMONY RD, PRESTON, MD 21655-1903
Document Number	0014160276
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	WFG NATIONAL TITLE INSURANCE, WEG NAT'L TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6496 HARMONY RD PRESTON MD 216551903, PRESTON, MD 21655-1903

Mortgage

Document Number	0014160276
Date	May 22, 2020
Book Page	001416/000276

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2050

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	May 1, 2018
Property Address	6496 HARMONY RD, PRESTON, MD 21655-1903
Document Number	0013080186
Book / Page	1308 / 186
Map Reference	FILE1 FO120
Instrument Date	Apr 30, 2018
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	EVANS TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$600.00
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	PO BOX 594, PRESTON, MD 21655-0594

Mortgage

Document Number	0001308190
Date	May 1, 2018
Instrument	1308/190

Lender

Name	PROVIDENT STATE BANK INC
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	371 Months
Due	Apr 28, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Apr 30, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.75%
Index	1-Year LIBOR
Max Rate	9.75%

Tax Assessment & Valuation

Source: Caroline County assessment roll, as of August 18, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,095.00 (+3.49%) Homeowner's exemption	$408,233 (+9.18%)	$476,900 (+27.55%) Land $95,300 Building $381,600
2025	$3,957.00 (+12.32%) Homeowner's exemption	$373,900 (+13.64%) Land $89,700 Building $284,200	$373,900 (-) Land $89,700 Building $284,200
2023	$3,523.00 (+5.23%) Homeowner's exemption	$329,033 (+7.32%)	$373,900 (+21.95%) Land $89,700 Building $284,200
2022	$3,348.00 Homeowner's exemption	$306,600 Land $89,700 Building $216,900	$306,600 Land $89,700 Building $216,900

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Jan 2024 · river or lake flooding

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 62% of the US · above 77% of Maryland
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Choptank Fiber Fiber	2,500 / 2,500
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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