Harford County property record for 1232 Echo Ct, Bel Air, MD 21015
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 1,924 sqft · built 1988 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $290,500 (Jan 2018) |
| Tax Bill | $3,452 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Oct 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-178560 |
| Primary APN | 03-178560 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,924 sqft Total Area |
| Basement Area | 700 sqft |
| Finished Basement | 700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 2,178 sqft (0.05 acres) |
| Deck Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 178560 |
|---|---|
| Street Address | 1232 ECHO CT |
| City | BEL AIR |
| State | MD |
| Zip | 21015-5688 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LT 29 0.050 AC 1232 ECHO COURT VILG SCOTS FAN P 62/105 |
| Legal Subdivision | SCOTS FANCY & VILLAGE |
| Legal Lot Number | 29 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 303606 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1232 ECHO CT, BEL AIR, MD 21015-5688 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ABERDEEN PROVING GROUND FEDERAL CREDIT UNION |
| Oct 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Nov 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| May 23, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ABERDEEN PROVING GROUND FCU |
| Jan 12, 2018 | Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 12, 2018 · Amount on Record |
| Deed Sale | Jan 12, 2018 · Amount on Record |
| Prior Sale | Aug 25, 2015 · Amount on Record |
| Deed Document Number | 201812669-0494 |
| Deed Book / Page | 12669 / 494 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Apr 6, 2026 |
| Property Address | 1232 ECHO CT, BEL AIR, MD 21015-5688 |
| Document Number | 0170690132 |
| Book / Page | 17069 / 132 |
| Instrument Date | Mar 26, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | GETZ TITLE |
| Name | Verified Name |
|---|---|
| Address | 1232 ECHO CT, BEL AIR, MD 21015-5688 |
| Document Number | 1706000132, |
|---|---|
| Date | Apr 6, 2026 |
| Book Page | 17069/132 |
| Name | ABERDEEN PROVING GROUND FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 15, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1232 ECHO CT, BEL AIR, MD 21015-5688 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | AVENUE 365 LENDER SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0141470399 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | 14147/399 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1232 ECHO CT, BEL AIR, MD 21015-5688 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | AVENUE 365 LENDER SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0135530213 |
|---|---|
| Date | Nov 20, 2019 |
| Book Page | 13553/0213 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1232 ECHO CT, BEL AIR, MD 21015-5688 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | GETZ TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0155240486 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 15524/486 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 13, 2032 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jan 12, 2018 |
| Property Address | 1232 ECHO CT, BEL AIR, MD 21015-5688 |
| Document Number | 0126690494 |
| Book / Page | 12669 / 0494 |
| Map Reference | MB CGHII62 FO105 |
| Instrument Date | Dec 13, 2017 |
| Instrument | 12669-0494 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | UNIVERSAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,331.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1712 SABLE CT, 1712, BEL AIR, MD 21014-6217 |
| Name | Verified Name |
|---|---|
| Relationship | Et Al (and Others) |
| Address | 1232 ECHO CT, BEL AIR, MD 21015-5688 |
| Document Number | 126690502 |
|---|---|
| Date | Jan 12, 2018 |
| Instrument | 12669-0502 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2038 |
Source: Harford County assessment roll, as of August 12, 2025
| 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 | $339,967 (+2.28%) | $355,100 (+6.83%) Land $95,000 Building $260,100 | |
| 2025 | $3,452.00 (+10.25%) Homeowner's exemption | $332,400 (+9.94%) Land $95,000 Building $237,400 | $332,400 (-) Land $95,000 Building $237,400 |
| 2023 | $302,333 | $332,400 Land $95,000 Building $237,400 | |
| 2022 | $3,131.00 |
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 · 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 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MARYLAND AMERICAN WATER COMPANY private · serves 13,200 people · EPA ID MD0120003 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 303 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
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