1032 E Macphail Rd, Bel Air, MD 21015 Property Records

Harford County property record for 1032 E Macphail Rd, Bel Air, MD 21015

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 4,135 sqft · built 2007
Lot Size	0.434 acres (18,905 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Nov 2006)
Tax Bill	$5,920 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-378217`

Property Details

APN / Parcel Number

Primary APN	`03-378217`
Alternative APN	`378217`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,135 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,905 sqft (0.434 acres)
Garage Type	Built-in
Porch	Slab
Porch Area	93 sqft
Deck Area	448 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	378217
Street Address	1032 E MACPHAIL RD
City	BEL AIR
State	MD
Zip	21015-5605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 2 18905 SF 1032 E MAC PHAIL ROAD MACPHAIL WOODS PT 119/7
Legal Subdivision	MACPHAIL WOODS 01
Legal Phase	AIL
Legal Lot Number	2
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1007
Census Tract	303900

Owner

Source: Harford County records, as of August 18, 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 Record
Mailing Address	1032 E MACPHAIL RD, BEL AIR, MD 21015-5605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 22, 2017	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2006 · Amount on Record
Deed Sale	Nov 15, 2006 · Amount on Record
Deed Document Number	2006769
Deed Book / Page	7060 / 464
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1032 E MACPHAIL RD, BEL AIR, MD 21015-5605
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0122370039
Date	Feb 22, 2017
Book Page	12237/0039
Instrument	12237-0039

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1032 E MACPHAIL RD, BEL AIR, MD 21015-5605
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0122370006
Date	Feb 22, 2017
Book Page	12237/0006
Instrument	12237-0006

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1032 E MACPHAIL RD, BEL AIR, MD 21015-5605
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	PREPERTY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0141510162
Date	Oct 1, 2020
Book Page	14151/162

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	IRVINE, PA 16329

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

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		$675,133 (+27.37%)	$804,600 (+31.82%) Land $114,400 Building $690,200
2025	$5,920.00 (+10.88%) Homeowner's exemption
2023		$530,067	$610,400 Land $114,400 Building $496,000
2022	$5,339.00

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

Flood

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 6 (20% premium discount)
Nearby Flood Policies	4 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	HARFORD COUNTY D.P.W. serves 104,567 people · EPA ID MD0120016
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 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	2 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 362 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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