Harford County property record for 1103 E Wheel Rd, Bel Air, MD 21015
| Property Type | Single Family Home |
|---|---|
| Details | 5.5 ba · 5,267 sqft · built 2003 |
| Lot Size | 2.97 acres (129,373 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $875,000 (Sep 2018) |
| Tax Bill | $10,881 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-188453 |
| Primary APN | 01-188453 |
|---|---|
| Alternative APNs |
|
| Full Baths | 5.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,267 sqft Total Area |
| 1st Floor Area | 256 sqft |
| Basement Area | 950 sqft |
| Finished Basement | 950 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 129,373 sqft (2.97 acres) |
| Garage Type | Mixed |
| Garage Area | 1,102 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 1,753 sqft |
| Patio Area | 1,240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 188453 |
|---|---|
| Street Address | 1103 E WHEEL RD |
| City | BEL AIR |
| State | MD |
| Zip | 21015-6359 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 44 2.97 AC 1103 E WHEEL ROAD TODD LAKES S3 PT 60/02 |
| Legal Subdivision | TODD LAKES |
| Legal Lot Number | 44 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 301102 |
Source: Harford County records, as of August 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1103 E WHEEL RD, BEL AIR, MD 21015-6359 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Dec 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Sep 21, 2018 | Deed, Transfer · ARM M & T BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2018 · Amount on Record |
| Deed Sale | Sep 21, 2018 · Amount on Record |
| Prior Sale | Apr 18, 2002 |
| Deed Book / Page | 12992 / 439 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1103 E WHEEL RD, BEL AIR, MD 21015-6359 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0146820339 |
|---|---|
| Date | Apr 20, 2021 |
| Book Page | 14682/339 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | GRANDVIEW, MO 64030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1103 E WHEEL RD, BEL AIR, MD 21015-6359 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | SAGE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0135740027 |
|---|---|
| Date | Dec 3, 2019 |
| Book Page | 13574/0027 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8% |
| Index | 1-Year LIBOR |
| Max Rate | 8% |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 21, 2018 |
| Property Address | 1103 E WHEEL RD, BEL AIR, MD 21015-6359 |
| Document Number | 0129920439 |
| Book / Page | 12992 / 0439 |
| Map Reference | MB CGH60 FO2 |
| Instrument Date | Sep 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $12,825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1103 E WHEEL RD, BEL AIR, MD 21015-6359 |
| Document Number | 0012992445 |
|---|---|
| Date | Sep 21, 2018 |
| Instrument | 12992/445 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Oct 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.75% |
| Index | 1-Month LIBOR |
| Max Rate | 8.75% |
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,881.00 (+14.81%) | $992,900 (+24.17%) Land $214,800 Building $778,100 | $992,900 (+24.17%) Land $214,800 Building $778,100 |
| 2025 | $9,477.00 (+9.36%) | ||
| 2023 | $799,600 Land $214,800 Building $584,800 | $799,600 Land $214,800 Building $584,800 | |
| 2022 | $8,666.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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.
Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
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