Harford County property record for 1025 E Macphail Rd, Bel Air, MD 21015
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,908 sqft · built 1990 |
| Lot Size | 2.36 acres (102,802 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $750,000 (Mar 2023) |
| Tax Bill | $5,797 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Mar 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-259331 |
| Primary APN | 03-259331 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,908 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 102,802 sqft (2.36 acres) |
| Garage Type | Attached |
| Garage Area | 750 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 538 sqft |
| Patio Area | 798 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 259331 |
|---|---|
| Street Address | 1025 E MACPHAIL RD |
| City | BEL AIR |
| State | MD |
| Zip | 21015-5604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LOT 83 2.3679 AC 1025 E MAC PHAIL ROAD GLENWOOD GARTH S2 P88/14 |
| Legal Subdivision | GLENWOOD GARTH 05 SEC 02 |
| Legal Phase | AIL |
| Legal Lot Number | 83 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 303602 |
Source: Harford County records · APN 03-259331
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 | 1025 E MACPHAIL RD, BEL AIR, MD 21015-5604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2022 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Mar 23, 2023 | Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Jun 17, 2022 | Intrafamily Transfer, Transfer TITLE 365 |
| Jul 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Aug 19, 2020 | Intrafamily Transfer, Transfer · FHA Mortgage M & T BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 23, 2023 · Amount on Record |
| Deed Sale | Mar 23, 2023 · Amount on Record |
| Prior Sale | Aug 19, 2020 |
| Deed Book / Page | 15855 / 134 |
| Prior Transfer Date | May 20, 2022 |
| Prior Transfer Doc | 0155600179 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1025 E MACPHAIL RD, BEL AIR, MD 21015-5604 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0155310198 |
|---|---|
| Date | May 27, 2022 |
| Book Page | 15531/198 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Mar 23, 2023 |
| Property Address | 1025 E MACPHAIL RD, BEL AIR, MD 21015-5604 |
| Document Number | 0158550134 |
| Book / Page | 15855 / 134 |
| Map Reference | MB 67 FO 65 |
| Instrument Date | Mar 17, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2023 |
| Title Company | ENDEAVOR TITLE LLC, ENDEAVOR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1025 E MACPHAIL RD, BEL AIR, MD 21015-5604 |
| Document Number | 0158550139 |
|---|---|
| Date | Mar 23, 2023 |
| Instrument | 15855-0139 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jun 17, 2022 |
| Property Address | 1025 E MACPHAIL RD, BEL AIR, MD 21015-5604 |
| Document Number | 0155600179 |
| Book / Page | 15560 / 179 |
| Map Reference | MB 67 FO 65 |
| Instrument Date | May 20, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2022 |
| Title Company | TITLE 365 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1025 E MACPHAIL RD, BEL AIR, MD 21015-5604 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1025 E MACPHAIL RD, BEL AIR, MD 21015-5604 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2022 |
| Title Company | SAGE TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0139750407 |
|---|---|
| Date | Jul 16, 2020 |
| Book Page | 13975/407 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANTILLY, VA 20151 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Aug 19, 2020 |
| Property Address | 1025 E MACPHAIL RD, BEL AIR, MD 21015-5604 |
| Document Number | 0140490363 |
| Book / Page | 14049 / 363 |
| Map Reference | MB 67 FO 65 |
| Instrument Date | Feb 19, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 1025 E MACPHAIL RD, BEL AIR, MD 21015-5604 |
| Document Number | 0014049370 |
|---|---|
| Date | Aug 19, 2020 |
| Instrument | 14049/370 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Mar 01, 2050 |
Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
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 | $609,067 (+10.06%) | $720,400 (+30.18%) Land $138,500 Building $581,900 | |
| 2025 | $5,797.00 (+8.8%) | $553,400 (+8.42%) Land $138,500 Building $414,900 | $553,400 (-) Land $138,500 Building $414,900 |
| 2023 | $510,400 | $553,400 Land $138,500 Building $414,900 | |
| 2022 | $5,328.00 |
Source: FEMA National Flood Hazard Layer as of October 15, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 Risk | Low lower than 94% of the US · lower than 89% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
Based on FCC filings for 250 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HARFORD COUNTY D.P.W. serves 104,567 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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