Harford County property record for 977 Pirates Ct, Edgewood, MD 21040
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,280 sqft · built 2003 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Jun 2017) |
| Tax Bill | $2,225 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-190903 |
| Primary APN | 01-190903 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,280 sqft Total Area |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,742 sqft (0.04 acres) |
| Deck Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 190903 |
|---|---|
| Street Address | 977 PIRATES CT |
| City | EDGEWOOD |
| State | MD |
| Zip | 21040-1339 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R4 |
| Legal Description | LT 165 .04 AC 977 PIRATES COURT WEST SHORE P5 PT 73/64 |
| Legal Subdivision | WEST SHORE |
| Legal Lot Number | 165 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 301707 |
977 Pirates Ct, a townhouse, is owned and occupied by an individual who bought it in June 2017.
Source: Harford County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 977 PIRATES CT, EDGEWOOD, MD 21040-1339 |
| 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.
| Date | Document |
|---|---|
| May 21, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Nov 14, 2023 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Apr 11, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jun 21, 2017 | Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 21, 2017 · Amount on File |
| Deed Sale | Jun 21, 2017 · Amount on File |
| Prior Sale | Sep 23, 2003 · Amount on File |
| Deed Document Number | 201712395-0493 |
| Deed Book / Page | 12395 / 493 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | May 21, 2026 |
| Property Address | 977 PIRATES CT, EDGEWOOD, MD 21040-1339 |
| Document Number | 1713000207 |
| Book / Page | 17133 / 207 |
| Instrument Date | May 21, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 977 PIRATES CT, EDGEWOOD, MD 21040-1339 |
| Document Number | 1713000207, |
|---|---|
| Date | May 21, 2026 |
| Book Page | 17133/207 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 254 Months |
| Due | Jul 1, 2047 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 977 PIRATES CT, EDGEWOOD, MD 21040-1339 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2023 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES L |
| Name | Verified Name |
|---|---|
| Address | 977 PIRATES CT, EDGEWOOD, MD 21040-1339 |
| Document Number | 0160920446 |
|---|---|
| Date | Nov 14, 2023 |
| Book Page | 16092/446 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 284 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 977 PIRATES CT, EDGEWOOD, MD 21040-1339 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | TITLE SOURCE INC |
| Name | Verified Name |
|---|
| Document Number | 0122960167 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 12296/0167 |
| Instrument | 12296-0167 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jun 21, 2017 |
| Property Address | 977 PIRATES CT, EDGEWOOD, MD 21040-1339 |
| Document Number | 0123950493 |
| Book / Page | 12395 / 0493 |
| Map Reference | MB73 FO64 |
| Instrument Date | May 15, 2017 |
| Instrument | 12395-0493 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,367.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 977 PIRATES CT, EDGEWOOD, MD 21040-1339 |
| Document Number | 123950501 |
|---|---|
| Date | Jun 21, 2017 |
| Instrument | 12395-0501 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
The 2026 property tax bill for 977 Pirates Ct was $2,225, up 15.3% from the year before.
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 | $2,225.00 (+15.34%) | $204,200 (+7.12%) Land $40,000 Building $164,200 | $204,200 (-) Land $40,000 Building $164,200 |
| 2025 | $1,929.00 | $190,633 | $204,200 Land $40,000 Building $164,200 |
| 2023 | $163,500 Land $40,000 Building $123,500 | $163,500 Land $40,000 Building $123,500 | |
| 2022 | $1,730.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 977 Pirates Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2018 · rainfall accumulation |
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 risk around 977 Pirates Ct 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 94% of the US · lower than 89% 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.
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 260 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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