Harford County property record for 738 Dowers Rd, Abingdon, MD 21009
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 3,544 sqft · built 2019 |
| Lot Size | 0.245 acres (10,672 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $780,000 (May 2022) |
| Tax Bill | $8,194 (2026) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-398890 |
| Primary APN | 01-398890 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,544 sqft Total Area |
| Basement Area | 1,200 sqft |
| Finished Basement | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,672 sqft (0.245 acres) |
| Garage Type | Mixed |
| Garage Area | 693 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 122 sqft |
| Deck Area | 304 sqft |
| Patio Area | 553 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 398890 |
|---|---|
| Street Address | 738 DOWERS RD |
| City | ABINGDON |
| State | MD |
| Zip | 21009-1564 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1COS |
| Legal Description | LOT 86 10672 SF 738 DOWERS ROAD LAUREL RIDGE 144/15 |
| Legal Subdivision | FINAL PLAT FOUR LAUREL RIDGE |
| Legal Lot Number | 86 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 301108 |
Source: Harford County records, as of August 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 738 DOWERS RD, ABINGDON, MD 21009-1564 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2022 | Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| Sep 23, 2019 | Deed, Transfer · VA Mortgage TBI MORTGAGE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2022 · Amount on Record |
| Deed Sale | May 19, 2022 · Amount on Record |
| Prior Sale | Sep 23, 2019 · Amount on Record |
| Deed Book / Page | 15519 / 360 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | May 19, 2022 |
| Property Address | 738 DOWERS RD, ABINGDON, MD 21009-1564 |
| Document Number | 0155190360 |
| Book / Page | 15519 / 360 |
| Map Reference | MB 144 FO 15 |
| Instrument Date | May 10, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2022 |
| Title Company | CASTLE R/E TITLE LLC, CASTLE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 738 DOWERS RD, ABINGDON, MD 21009-1564 |
| Document Number | 0155190367 |
|---|---|
| Date | May 19, 2022 |
| Instrument | 15519-0367 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.87% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 6.87% |
| Max Rate At Change | 8.87% |
| Index | Other |
| Max Rate | 8.87% |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 23, 2019 |
| Property Address | 738 DOWERS RD, ABINGDON, MD 21009-1564 |
| Document Number | 0134560495 |
| Book / Page | 13456 / 0495 |
| Map Reference | MB 144 FO 15 |
| Instrument Date | Sep 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | WESTMINSTER TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 738 DOWERS RD, ABINGDON, MD 21009-1564 |
| Document Number | 0013456500 |
|---|---|
| Date | Sep 23, 2019 |
| Instrument | 13456/500 |
| Name | TBI MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
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 | $8,194.00 (+14.44%) | $751,900 (+23.36%) Land $172,800 Building $579,100 | $751,900 (+23.36%) Land $172,800 Building $579,100 |
| 2025 | $7,160.00 (+7.8%) | ||
| 2023 | $609,500 Land $172,800 Building $436,700 | $609,500 Land $172,800 Building $436,700 | |
| 2022 | $6,642.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 353 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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