Harford County property record for 1109 Andreas Dr, Bel Air, MD 21015
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,290 sqft · built 1995 |
| Lot Size | 0.212 acres (9,248 sqft) |
| Owner | Individual Name on File |
| Last Sale | $224,250 (Oct 1998) |
| Tax Bill | $4,933 (2026) |
| Deeds & Mortgages | Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-287866 |
| Primary APN | 03-287866 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,290 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,248 sqft (0.212 acres) |
| Garage Type | Attached |
| Garage Area | 378 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 384 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 287866 |
|---|---|
| Street Address | 1109 ANDREAS DR |
| City | BEL AIR |
| State | MD |
| Zip | 21015-2011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 103 9248 SF 1109 ANDREAS DRIVE AMYCLAE EAST PT 80/40 |
| Legal Subdivision | AMYCLAE EAST |
| Legal Lot Number | 103 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 303101 |
1109 Andreas Dr is owned and occupied by an individual who acquired it in May 2006.
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 | Individual Name on File |
|---|---|
| Mailing Address | 1109 ANDREAS DR, BEL AIR, MD 21015-2011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 1998 · Amount on File |
| Deed Sale | Oct 30, 1998 · Amount on File |
| Prior Sale | Apr 18, 1995 · Amount on File |
| Deed Document Number | 1998905 |
| Deed Book / Page | 2844 / 402 |
| Last Transfer Date | May 12, 2006 |
| Transfer Doc | 0070310510 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1109 ANDREAS DR, BEL AIR, MD 21015-2011 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0123950088 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 12395/0088 |
| Instrument | 12395-0088 |
| Name | FREEDOM OF MARYLAND FCU |
|---|---|
| Type | Credit Union |
| Address | BEL AIR, MD 21015 |
| Amount | Amount on Record |
|---|---|
| Term | 179 Months |
| Due | May 8, 2032 |
The 2026 property tax bill for 1109 Andreas Dr was $4,933, up 9.7% from the year before.
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 | $4,933.00 (+9.67%) | $452,700 (+4.19%) | $489,100 (+12.57%) Land $124,200 Building $364,900 |
| 2025 | $4,498.00 | $434,500 Land $124,200 Building $310,300 | $434,500 Land $124,200 Building $310,300 |
| 2023 | $391,033 | $434,500 Land $124,200 Building $310,300 | |
| 2022 | $4,025.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1109 Andreas Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2018 · other causes |
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 risk around 1109 Andreas Dr is low, with a 0.01% annual chance of wildfire.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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