915 Eugene Dr, Havre De Grace, MD 21078 Property Records

Harford County property record for 915 Eugene Dr, Havre De Grace, MD 21078

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 988 sqft · built 1954
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$202,500 (Apr 2005)
Tax Bill	$2,214 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-019196`

Property Details

APN / Parcel Number

Primary APN	`06-019196`
Alternative APNs	`6019196` `019196`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	988 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,000 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	019196
Street Address	915 EUGENE DR
City	HAVRE DE GRACE
State	MD
Zip	21078-2331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 98 100X200 915 EUGENE DRIVE MEADOWVALE S2 P4/100
Legal Subdivision	MEADOWVALE SUB SEC 2
Legal Lot Number	98
Jurisdiction	HARFORD MD
Township / Civil Division	6, HAVRE DE GRACE
Census Block Group	1
Census Block	1015
Census Tract	306400

Owner

Source: Harford County records, as of August 25, 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	915 EUGENE DR, HAVRE DE GRACE, MD 21078-2331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLORIDA CAPITAL BANK NA
Jun 28, 2017	Deed of Trust, Mortgage · Conventional with PMI PHH HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2005 · Amount on Record
Deed Sale	Apr 15, 2005 · Amount on Record
Prior Sale	Dec 24, 1996 · Amount on Record
Deed Document Number	2005414
Deed Book / Page	5979 / 150
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	915 EUGENE DR, HAVRE DE GRACE, MD 21078-2331
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146810214
Date	Apr 20, 2021
Book Page	14681/214

Lender

Name	FLORIDA CAPITAL BANK NA
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	915 EUGENE DR, HAVRE DE GRACE, MD 21078-2331
Document Number	0124250179
Book / Page	012425 / 000179
Instrument Date	Jun 28, 2017
Transaction Type	Mortgage
Record Updated	Jul 19, 2017
Title Company	MID ATLANTIC SETTLEMENT CORPORATION, MID ATLANTIC SETTLEMENT CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	915 EUGENE DR HAVRE DE GRACE MD 210782331, HAVRE DE GRACE, MD 21078-2331

Mortgage

Document Number	0124250179
Date	Jul 12, 2017
Book Page	012425/000179

Lender

Name	PHH HM LNS
Type	Funding / Finance Company
Address	VIENNA, VA 22182

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2047

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Municipality	Havre De Grace City
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,214.00 (+14.36%) Homeowner's exemption	$232,300 (+17.9%)	$246,900 (+21.57%) Land $82,300 Building $164,600
2025	$1,936.00 (+6.37%) Homeowner's exemption
2023		$197,033	$203,100 Land $82,300 Building $120,800
2022	$1,820.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 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	CITY OF HAVRE DE GRACE serves 14,000 people · EPA ID MD0120012
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2016
Treatment and Procedure	Organic carbon removal Oct 2023
Monitoring and Reporting	16 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 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
IQ Fiber Fiber	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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