7208 Harmony Rd, Preston, MD 21655 Property Records

Caroline County property record for 7208 Harmony Rd, Preston, MD 21655

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,802 sqft · built 2020
Lot Size	4.14 acres (180,338 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Jun 2013)
Tax Bill	$6,900 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-012881`

Property Details

APN / Parcel Number

Primary APN	`08-012881`
Alternative APNs	`8012881` `012881`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,802 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	180,338 sqft (4.14 acres)
Garage Type	Built-in
Garage Area	556 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Patio Area	156 sqft
Shed	1 Shed
Shed Area	3,600 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	012881
Street Address	7208 HARMONY RD
City	PRESTON
State	MD
Zip	21655-1919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	4.14 ACRES NW/S TODDS WHARF ROAD NE OF HARMONY
Legal Subdivision	CHARLES E HAYMAN INC
Jurisdiction	CAROLINE MD
Township / Civil Division	8, AMERICAN CORNER
Census Block Group	1
Census Block	1036
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	Individual Name on Record
Mailing Address	7208 HARMONY RD, PRESTON, MD 21655-1919
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · FHA Mortgage EMM LOANS LLC
Apr 8, 2026	Deed, Transfer COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT STATE BANK INC
Jan 2, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage PROVIDENT STATE BANK INC
Apr 6, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2013 · Amount on Record
Deed Sale	Jun 7, 2013 · Amount on Record
Prior Sale	Aug 4, 2005
Deed Book / Page	1062 / 420
Last Transfer Date	Dec 30, 2019
Transfer Doc	0013940094
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Recording Date	Apr 15, 2026
Property Address	7208 HARMONY RD, PRESTON, MD 21655-1919
Document Number	1781000322
Book / Page	1781 / 322
Instrument Date	Mar 31, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7208 HARMONY RD, PRESTON, MD 21655-1919

Mortgage

Document Number	1781000322,
Date	Apr 15, 2026
Book Page	1781/322

Lender

Name	EMM LOANS LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6%
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Apr 8, 2026
Property Address	7208 HARMONY RD, PRESTON, MD 21655-1919
Document Number	1780000313
Book / Page	1780 / 313
Instrument Date	Mar 31, 2026
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

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	7208 HARMONY RD, PRESTON, MD 21655-1919

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	7208 HARMONY RD, PRESTON, MD 21655-1919
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014370207
Date	Sep 9, 2020
Book Page	1437/207

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAROLINE MD
Recording Date	Jan 2, 2020
Property Address	7208 HARMONY RD, PRESTON, MD 21655-1919
Document Number	0013940094
Book / Page	1394 / 094
Map Reference	LB FDM 3 FO 147
Instrument Date	Dec 30, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7208 HARMONY RD, PRESTON, MD 21655-1919

Mortgage

Document Number	0000139499
Date	Jan 2, 2020
Instrument	1394/99

Lender

Name	PROVIDENT STATE BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	371 Months
Due	Dec 30, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAROLINE MD
Recording Date	Apr 6, 2017
Property Address	7208 HARMONY RD, PRESTON, MD 21655-1919
Document Number	0012510436
Book / Page	001251 / 000436
Instrument Date	Apr 4, 2017
Transaction Type	Transfer
Record Updated	Jul 25, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7208 HARMONY RD PRESTON MD 216551919, PRESTON, MD 21655-1919

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	$6,900.00 (-1.44%)	$638,100 (+0.38%)	$642,900 (+1.13%) Land $82,200 Building $560,700
2025	$7,001.00 (+28.46%)	$635,700 (+27.37%) Land $79,100 Building $556,600	$635,700 (-) Land $79,100 Building $556,600
2023	$5,450.00	$499,100	$635,700 Land $79,100 Building $556,600

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
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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 12 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harmony Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures