103 E Macphail Rd, Bel Air, MD 21014 Property Records

Harford County property record for 103 E Macphail Rd, Bel Air, MD 21014 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1 Baths
Year Built	Built 1950
Square Footage	1,656 sqft Total Area
Lot Size	17,500 sqft (0.402 acres)
Garage	Detached, 792 sqft
Occupancy	Owner Occupied
Last Sale	$90,000 (1987)
Tax Bill	$2,995.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`03-151611`
Alternative APNs	`3151611` `151611`

Interior

Full Baths	1 Baths
Building Area	1,656 sqft Total Area
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Stucco Exterior
Roof Material	Composition Shingle Roof
Lot Area	17,500 sqft (0.402 acres)
Depth X Width	275 ft x 100 ft Depth x Width
Parking Spaces	3 Parking Spaces
Garage Type	Detached Garage
Garage Area	792 sqft Garage
Porch Area	204 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	151611
Street Address	103 E MACPHAIL RD
City	BEL AIR
State	MD
Zip	21014-4403
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOTS 89-92 100X175 103 E MAC PHAIL ROAD HOMELANDS S B PT 4/26
Legal Subdivision	HOMELANDS
Legal Phase	AIL
Legal Lot Number	89-92
Jurisdiction	HARFORD MD
Minor Civil Division	3, BEL AIR
Census Blockgroup	2
Census Block	2003
Census Tract	303602

Owner

Source: Harford County records · APN 03-151611

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	Individual Name on File
Mailing Address	103 E MACPHAIL RD, BEL AIR, MD 21014-4403
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 18, 1987 · Amount on Record
Deed Sale	Dec 18, 1987 · Amount on Record
Deed Book / Page	1445 / 173
Record Refreshed	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	103 E MACPHAIL RD, BEL AIR, MD 21014-4403
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	PRONATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E MACPHAIL RD, BEL AIR, MD 21014-4403

Mortgage

Document Number	0156370334
Date	Aug 17, 2022
Book Page	15637/334

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.36%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Jun 01, 2020
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).
Index	Other

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		$296,633 (+13.42%)	$313,500 (+8.78%) Land $93,700 Building $219,800
2025	$2,995.00 (+10.72%)
2023		$261,533	$288,200 Land $93,700 Building $194,500
2022	$2,705.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Harford County (24025C), updated October 15, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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; lenders make the official flood determination.