Harford County property record for 1 Stuart Ter, Bel Air, MD 21014
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,331 sqft · built 1997 |
| Lot Size | 0.615 acres (26,808 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $55,000 (Jul 1997) |
| Deeds & Mortgages | Dec 2019 Line of Credit Sep 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-121275 |
| Primary APN | 03-121275 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,331 sqft Total Area |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 26,808 sqft (0.615 acres) |
| Garage Type | Built-in |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 156 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 121275 |
|---|---|
| Street Address | 1 STUART TER |
| City | BEL AIR |
| State | MD |
| Zip | 21014-5423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | PARCEL B 0.846 AC 1 STUART TERRACE LD J ARCHER PT 29/57 |
| Legal Subdivision | JOHN & MIRIAM D ARCHER |
| Legal Lot Number | B |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 303602 |
1 Stuart Ter is owned and occupied by two individuals who bought it in July 1997.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1 STUART TER, BEL AIR, MD 21014-5423 |
| 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 |
|---|---|
| Dec 4, 2019 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Sep 16, 2017 | Loan Modification, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 1997 · Amount on File |
| Deed Sale | Jul 25, 1997 · Amount on File |
| Deed Document Number | 199749 |
| Deed Book / Page | 2545 / 872 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1 STUART TER, BEL AIR, MD 21014-5423 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | RGS TITLE LLC MATS |
| Name | Verified Name |
|---|
| Document Number | 0135750319 |
|---|---|
| Date | Dec 4, 2019 |
| Book Page | 13575/0319 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1 STUART TER, BEL AIR, MD 21014-5423 |
| Document Number | 0125310118 |
| Instrument Date | Sep 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2018 |
| Title Company | IMORTGAGE SERVICES LLC, IMORTGAGE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 1 STUART TER BEL AIR MD 210145423, BEL AIR, MD 21014-5423 |
| Document Number | 0125310118 |
|---|---|
| Date | Sep 28, 2017 |
| Book Page | 012531/000118 |
| Name | MANUFACTURERS & TRADERS TR |
|---|---|
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
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 | Homeowner's exemption | $505,967 | $523,500 Land $98,400 Building $425,100 |
| 2025 | Homeowner's exemption | ||
| 2023 | $441,267 | $497,200 Land $98,400 Building $398,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1 Stuart Ter 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2004 · tidal / storm surge |
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 1 Stuart Ter is low, with 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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 | MARYLAND AMERICAN WATER COMPANY private · serves 13,200 people · EPA ID MD0120003 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 324 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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