1108 Conowingo Rd, Bel Air, MD 21014 Property Records

Harford County property record for 1108 Conowingo Rd, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,692 sqft · built 1938
Lot Size	0.336 acres (14,616 sqft)
Owner	Individual Name on Record
Last Sale	$323,200 (Jul 2019)
Tax Bill	$4,184 (2026)
Deeds & Mortgages	Feb 2026 Transfer Jan 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-044203`

Property Details

APN / Parcel Number

Primary APN	`03-044203`
Alternative APNs	`3044203` `044203`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,692 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,616 sqft (0.336 acres)
Porch	Slab
Porch Area	98 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	044203
Street Address	1108 CONOWINGO RD
City	BEL AIR
State	MD
Zip	21014-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 1 14616 SF 1108 CONOWINGO ROAD PALM DEV SERV 141/10
Legal Subdivision	PALM DEV SERVICES LLC
Legal Lot Number	1
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1005
Census Tract	303603

Owner

Source: Harford County records, as of August 25, 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 Record
Mailing Address	1108 CONOWINGO RD, BEL AIR, MD 21014-1805
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 27, 2023	Intrafamily Transfer, Transfer
Apr 14, 2020	Deed of Trust, Mortgage · VA Mortgage SOUTHERN TRUST MORTGAGE LLC
Jul 15, 2019	Deed, Transfer · VA Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2019 · Amount on Record
Deed Sale	Jul 15, 2019 · Amount on Record
Prior Sale	Jul 28, 2014 · Amount on Record
Deed Book / Page	13345 / 283
Last Transfer Date	Jan 27, 2023
Transfer Doc	0158070194
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	Feb 4, 2026
Property Address	1108 CONOWINGO RD, BEL AIR, MD 21014-1805
Document Number	0169890135
Book / Page	16989 / 135
Map Reference	MB 141 FO 10
Instrument Date	Jan 13, 2026
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1108 CONOWINGO RD, BEL AIR, MD 21014-1805

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	Jan 27, 2023
Property Address	1108 CONOWINGO RD, BEL AIR, MD 21014-1805
Document Number	0158070194
Book / Page	15807 / 194
Map Reference	MB 141 FO 10
Instrument Date	Jan 27, 2023
Transaction Type	Transfer
Record Updated	Feb 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1108 CONOWINGO RD, BEL AIR, MD 21014-1805

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1108 CONOWINGO RD, BEL AIR, MD 21014-1805
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0137920472
Date	Apr 14, 2020
Book Page	13792/472

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23462

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jul 15, 2019
Property Address	1108 CONOWINGO RD, BEL AIR, MD 21014-1805
Document Number	0133450283
Book / Page	13345 / 0283
Map Reference	MB 141 FO 10
Instrument Date	Jul 1, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1108 CONOWINGO RD, BEL AIR, MD 21014-1805

Mortgage

Document Number	0013345290
Date	Jul 15, 2019
Instrument	13345/290

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 25, 2026

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	$4,184.00 (+8.28%)	$383,967 (+2.5%)	$402,700 (+7.5%) Land $87,300 Building $315,400
2025	$3,864.00 (+12.78%)	$374,600 (+12%) Land $87,300 Building $287,300	$374,600 (-) Land $87,300 Building $287,300
2023		$334,467	$374,600 Land $87,300 Building $287,300
2022	$3,426.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1987–1989)
Most Recent Claim	Jul 1989 · rainfall accumulation

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 99.1% of the US · lower than 98.5% 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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Armstrong.

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