Harford County property record for 1109 Benjamin Rd, Bel Air, MD 21014
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 2 ba · 1,218 sqft · built 1984 |
| Lot Size | 0.253 acres (11,020 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $355,000 (Nov 2022) |
| Tax Bill | $3,138 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage Sep 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-181480 |
| Primary APN | 03-181480 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,218 sqft Total Area |
| Basement Area | 573 sqft |
| Finished Basement | 573 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,020 sqft (0.253 acres) |
| Garage Type | Basement |
| Garage Area | 416 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 247 sqft |
| Deck Area | 104 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 181480 |
|---|---|
| Street Address | 1109 BENJAMIN RD |
| City | BEL AIR |
| State | MD |
| Zip | 21014-2734 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Local Zoning Code | R2 |
| Legal Description | LT 42 .253 AC 1109 BENJAMIN ROAD OAK RIDGE S2 P 49/57 |
| Legal Subdivision | OAK RIDGE |
| Legal Lot Number | 42 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 303803 |
1109 Benjamin Rd is owned by two individuals who bought it in November 2022.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1109 BENJAMIN RD, BEL AIR, MD 21014-2734 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 4, 2022 | Deed, Transfer · VA Mortgage US MUTUAL HOME LOANS INC |
| Sep 19, 2022 | Deed, Transfer MAIN STREET TITLE OKC LLC, MAIN STREET TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2022 · Amount on File |
| Deed Sale | Nov 4, 2022 · Amount on File |
| Prior Sale | Sep 19, 2022 · Amount on File |
| Deed Book / Page | 15729 / 438 |
| Prior Transfer Date | Jul 24, 2008 |
| Prior Transfer Doc | 0079570382 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Nov 4, 2022 |
| Property Address | 1109 BENJAMIN RD, BEL AIR, MD 21014-2734 |
| Document Number | 0157290438 |
| Book / Page | 15729 / 438 |
| Map Reference | MB HDC 49 FO 57 |
| Instrument Date | Oct 28, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Title Company | MAIN STREET TITLE OKC LLC, MAIN STREET TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $887.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1109 BENJAMIN RD, BEL AIR, MD 21014-2734 |
| Document Number | 0157290444 |
|---|---|
| Date | Nov 4, 2022 |
| Instrument | 15729-0444 |
| Name | US MUTUAL HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 19, 2022 |
| Property Address | 1109 BENJAMIN RD, BEL AIR, MD 21014-2734 |
| Document Number | 0156750327 |
| Book / Page | 15675 / 327 |
| Map Reference | MB HDC 49 FO 57 |
| Instrument Date | Jul 11, 2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2022 |
| Title Company | MAIN STREET TITLE OKC LLC, MAIN STREET TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1304 MAZELAND DR, BEL AIR, MD 21015-6358 |
The 2025 property tax bill for 1109 Benjamin Rd was $3,138.
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 | $316,933 (+5.33%) | $349,000 (+15.99%) Land $100,200 Building $248,800 | |
| 2025 | $3,138.00 | $300,900 Land $100,200 Building $200,700 | $300,900 Land $100,200 Building $200,700 |
| 2023 | $275,033 | $300,900 Land $100,200 Building $200,700 | |
| 2022 | $2,856.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1109 Benjamin Rd in Zone X, an area of minimal flood risk.
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 6 (20% premium discount) |
| Nearby Flood Policies | 1 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 risk around 1109 Benjamin Rd is low, with less than 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 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.
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 345 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 |
| AT&T Fixed Wireless | 100 / 20 |
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