976 Seneca Park Rd, Middle River, MD 21220 Property Records

Baltimore County property record for 976 Seneca Park Rd, Middle River, MD 21220

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,245 sqft · built 2018
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$825,000 (Feb 2021)
Tax Bill	$11,353 (2024)
Deeds & Mortgages	Jul 2018 Mortgage Aug 2019 Mortgage + 3 more
APN	`15-2400010001`

Property Details

APN / Parcel Number

Primary APN	`15-2400010001`
Alternative APN	`2400010001`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,245 sqft Living Area
Gross Area	5,065 sqft
1st Floor Area	1,832 sqft
Basement Area	256 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	360 sqft
Patio Area	360 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	2400010001
Street Address	976 SENECA PARK RD
City	MIDDLE RIVER
State	MD
Zip	21220-2314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.229 AC SENECA PARK BEACH
Legal Subdivision	SENECA PARK BEACH
Legal Block	1
Legal Lot Number	85
Jurisdiction	BALTIMORE MD
Township / Civil Division	15
Census Block Group	1
Census Block	1020
Census Tract	451803

Owner

976 Seneca Park Rd is owned and occupied by an individual who acquired it in November 2024.

Source: Baltimore County records, as of September 9, 2025

Owner of Record	Individual Name on File
Mailing Address	976 SENECA PARK RD, MIDDLE RIVER, MD 21220-2314
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 10, 2021	Deed, Transfer · Conventional Mortgage MERIDIAN BANK
Jan 17, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Jun 21, 2017	Deed, Transfer · Commercial Mortgage ESSEX BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2021 · Amount on File
Deed Sale	Feb 10, 2021 · Amount on File
Prior Sale	Jun 21, 2017 · Amount on File
Deed Book / Page	44092 / 364
Last Transfer Date	Nov 20, 2024
Transfer Doc	0501220154
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	976 SENECA PARK RD, MIDDLE RIVER, MD 21220-2314
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0405020178
Date	Jul 26, 2018
Book Page	0040502/178

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	976 SENECA PARK RD, MIDDLE RIVER, MD 21220-2314
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0417870291
Date	Aug 22, 2019
Book Page	41787/291

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BALTIMORE MD
Recording Date	Feb 10, 2021
Property Address	976 SENECA PARK RD, MIDDLE RIVER, MD 21220-2314
Document Number	0440920364
Book / Page	44092 / 364
Map Reference	MB 8 FO 45
Instrument Date	Dec 8, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	976 SENECA PARK RD, MIDDLE RIVER, MD 21220-2314

Mortgage

Document Number	0044092371
Date	Feb 10, 2021
Instrument	44092/371

Lender

Name	MERIDIAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	976 SENECA PARK RD, MIDDLE RIVER, MD 21220-2314
Document Number	0411270368
Instrument Date	Jan 17, 2019
Transaction Type	Mortgage
Record Updated	Apr 12, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 SENECA PARK RD MIDDLE RIVER MD 212202314, MIDDLE RIVER, MD 21220-2314

Mortgage

Document Number	0411270368
Date	Feb 8, 2019
Book Page	041127/000368

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BALTIMORE MD
Recording Date	Jun 21, 2017
Property Address	976 SENECA PARK RD, MIDDLE RIVER, MD 21220-2314
Document Number	0391150218
Book / Page	0039115 / 218
Map Reference	LB SM21652 FO150
Instrument Date	Jun 1, 2017
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
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
Address	2596 LAUREL BROOK RD, FALLSTON, MD 21047-2337

Mortgage

Document Number	0039115222
Date	Jun 21, 2017
Instrument	0039115/222

Lender

Name	ESSEX BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Baltimore County assessment roll, as of July 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$972,533	$1,128,500 Land $333,000 Building $795,500
2024	$11,353.00 (+142.69%)
2023	$4,678.00	$660,600 Land $178,000 Building $482,600	$660,600 Land $178,000 Building $482,600

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

Flood

FEMA has no flood map on file for 976 Seneca Park Rd; there have been 66 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 68 policies
Nearby Flood Policies	68 in force
Nearby Flood Claims	66 (1978–2024)
Claims Outside the SFHA	3 of 66
Most Recent Claim	Aug 2024 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims Hurricane Isabel, Sep 2003 · 43 claims

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

Wildfire risk around 976 Seneca Park Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.5% 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 BALTIMORE serves 1,600,000 people · EPA ID MD0300002
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 E. coli resolved · Sep 2022
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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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