1012 James St, Bel Air, MD 21014 Property Records

Harford County property record for 1012 James St, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,931 sqft · built 1953
Lot Size	0.474 acres (20,647 sqft)
Owner	2 Individual Names on File
Last Sale	$319,000 (Aug 2018)
Tax Bill	$3,719 (2026)
Deeds & Mortgages	May 2017 Line of Credit Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-055159`

Property Details

APN / Parcel Number

Primary APN	`03-055159`
Alternative APNs	`3055159` `055159`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,931 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	20,647 sqft (0.474 acres)
Lot Dimensions	155 ft deep x 142 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	96 sqft
Patio Area	704 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	055159
Street Address	1012 JAMES ST
City	BEL AIR
State	MD
Zip	21014-2312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT .474 AC 1012 JAMES STREET N OF BEL AIR
Legal Subdivision	HARFORD HERITAGE
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1001
Census Tract	303802

Owner

1012 James St is owned and occupied by two individuals who acquired it in April 2021.

Source: Harford County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1012 JAMES ST, BEL AIR, MD 21014-2312
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
May 17, 2017	Deed of Trust, Mortgage · Line of Credit MADISON BANK OF MARYLAND
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROSEDALE FSLA
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROSEDALE FSLA
Jun 16, 2021	Intrafamily Transfer, Transfer
Aug 8, 2018	Grant Deed, Transfer · Conventional with PMI ROSEDALE FED'L S&L ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2018 · Amount on File
Deed Sale	Aug 8, 2018 · Amount on File
Prior Sale	Dec 6, 2006 · Amount on File
Deed Book / Page	12930 / 227
Last Transfer Date	Apr 22, 2021
Transfer Doc	0148340150
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1012 JAMES ST, BEL AIR, MD 21014-2312
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0123460343
Date	May 17, 2017
Book Page	12346/0343
Instrument	12346-0343

Lender

Name	MADISON BANK OF MARYLAND
Type	Bank
Address	FOREST HILL, MD 21050

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1012 JAMES ST, BEL AIR, MD 21014-2312
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	GETZ TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0144230496
Date	Jan 20, 2021
Book Page	14423/496

Lender

Name	ROSEDALE FSLA
Type	Bank
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1012 JAMES ST, BEL AIR, MD 21014-2312
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0145260110
Date	Feb 25, 2021
Book Page	14526/110

Lender

Name	ROSEDALE FSLA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2048
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	Prime Rate
Max Rate	8.87%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	Jun 16, 2021
Property Address	1012 JAMES ST, BEL AIR, MD 21014-2312
Document Number	0148340150
Book / Page	14834 / 150
Instrument Date	Apr 22, 2021
Transaction Type	Transfer
Record Updated	Jun 30, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 8, 2018
Property Address	1012 JAMES ST, BEL AIR, MD 21014-2312
Document Number	0129300227
Book / Page	012930 / 000227
Instrument Date	Jul 31, 2018
Transaction Type	Transfer
Record Updated	Aug 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1012 JAMES ST BEL AIR MD 210142312, BEL AIR, MD 21014-2312

Mortgage

Document Number	129300233
Date	Aug 8, 2018
Book Page	012930/000233

Lender

Name	ROSEDALE FED'L S&L ASSN
Type	Federal Savings Bank
Address	BALTIMORE, MD 21236

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 7, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

The 2026 property tax bill for 1012 James St was $3,719 with a homeowner's exemption, up 6.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,719.00 (+6.08%) Homeowner's exemption	$335,767 (+1.87%)	$348,100 (+5.61%) Land $105,300 Building $242,800
2025	$3,506.00 Homeowner's exemption	$329,600 Land $105,300 Building $224,300	$329,600 Land $105,300 Building $224,300
2023		$302,867	$329,600 Land $105,300 Building $224,300
2022	$3,215.00

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

Flood

FEMA maps place 1012 James St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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	6 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2006 · 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

Wildfire risk around 1012 James St 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: AT&T.

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