1021 E Macphail Rd, Bel Air, MD 21015 Property Records

Harford County property record for 1021 E Macphail Rd, Bel Air, MD 21015 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,748 sqft · built 1990
Lot Size	0.693 acres (30,191 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Sep 2018)
Tax Bill	$5,452 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-259315`

Property Details

APN / Parcel Number

Primary APN	`03-259315`
Alternative APNs	`3259315` `259315`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,748 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	30,191 sqft (0.693 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Pool Area	740 sqft
Deck Area	341 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	259315
Street Address	1021 E MACPHAIL RD
City	BEL AIR
State	MD
Zip	21015-5604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 81 30191 SF 1021 E MAC PHAIL ROAD GLENWOOD GARTH P 113/42
Legal Subdivision	PLAT 5 GLENWOOD GARTH
Legal Phase	AIL
Legal Lot Number	81
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1002
Census Tract	303602

Owner

Source: Harford County records · APN 03-259315

Assessment roll updated August 12, 2025 · Last verified August 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 File
Mailing Address	1021 E MACPHAIL RD, BEL AIR, MD 21015-5604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 09, 2019	Deed of Trust, Mortgage QUICKEN LNS
Sep 04, 2018	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS
Mar 17, 2018	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 04, 2018 · Amount on Record
Deed Sale	Sep 04, 2018 · Amount on Record
Prior Sale	May 23, 1990 · Amount on Record
Deed Book / Page	12967 / 396
Prior Transfer Date	Aug 31, 2018
Prior Transfer Doc	0129670396
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1021 E MACPHAIL RD, BEL AIR, MD 21015-5604
Document Number	0134640217
Instrument Date	Sep 09, 2019
Transaction Type	Mortgage
Record Updated	Oct 09, 2019
Title Company	ENDEAVOR TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1021 E MACPHAIL RD BEL AIR MD 210155604, BEL AIR, MD 21015-5604

Mortgage

Document Number	0134640217
Date	Sep 26, 2019
Book Page	013464/000217

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Sep 04, 2018
Property Address	1021 E MACPHAIL RD, BEL AIR, MD 21015-5604
Document Number	0129670396
Book / Page	012967 / 000396
Instrument Date	Aug 31, 2018
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	ENDEAVOR TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1021 E MACPHAIL RD BEL AIR MD 210155604, BEL AIR, MD 21015-5604

Mortgage

Document Number	129670402
Date	Sep 04, 2018
Book Page	012967/000402

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 03, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1021 E MACPHAIL RD, BEL AIR, MD 21015-5604
Document Number	0128920319
Instrument Date	Mar 17, 2018
Transaction Type	Mortgage
Record Updated	Jul 18, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1021 E MACPHAIL RD BEL AIR MD 210155604, BEL AIR, MD 21015-5604

Mortgage

Document Number	0128920319
Date	Jul 02, 2018
Book Page	012892/000319

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jul 01, 2058

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$537,567 (+3.1%)	$569,900 (+9.3%) Land $120,000 Building $449,900
2025	$5,452.00 (+9.21%) Homeowner's exemption	$521,400 (+8.81%) Land $120,000 Building $401,400	$521,400 (-) Land $120,000 Building $401,400
2023		$479,200	$521,400 Land $120,000 Building $401,400
2022	$4,992.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Harford County (24025C), updated October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240253036021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1983–2007)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2007, tidal / storm surge

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 250 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fiber	980 / 880

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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