Harford County property record for 1305 Christopher Ct, Bel Air, MD 21014
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,289 sqft · built 1987 |
| Lot Size | 0.201 acres (8,755 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $565,000 (Oct 2023) |
| Tax Bill | $4,852 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-208532 |
| Primary APN | 03-208532 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,289 sqft Total Area |
| Basement Area | 900 sqft |
| Finished Basement | 900 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,755 sqft (0.201 acres) |
| Garage Type | Built-in |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 404 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 208532 |
|---|---|
| Street Address | 1305 CHRISTOPHER CT |
| City | BEL AIR |
| State | MD |
| Zip | 21014-6805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 129 .201 AC 1305 CHRISTOPHER COURT AMYCLAE EST S2 P 54/101 |
| Legal Subdivision | AMYCLAE ESTATES 03 SEC 02 |
| Legal Lot Number | 129 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 303603 |
1305 Christopher Ct is owned and occupied by two individuals who bought it in October 2023.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1305 CHRISTOPHER CT, BEL AIR, MD 21014-6805 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Feb 17, 2026 | Deed of Trust, Mortgage · VA Mortgage DIRECT MORTGAGE LOANS LLC |
| Oct 4, 2023 | Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2023 · Amount on File |
| Deed Sale | Oct 4, 2023 · Amount on File |
| Prior Sale | Jul 10, 1987 · Amount on File |
| Deed Book / Page | 16051 / 231 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1305 CHRISTOPHER CT, BEL AIR, MD 21014-6805 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Title Company | BLACK OAK TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 1305 CHRISTOPHER CT, BEL AIR, MD 21014-6805 |
| Document Number | 0170030458 |
|---|---|
| Date | Feb 17, 2026 |
| Book Page | 17003/458 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | HUNT VALLEY, MD 21031 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Oct 4, 2023 |
| Property Address | 1305 CHRISTOPHER CT, BEL AIR, MD 21014-6805 |
| Document Number | 0160510231 |
| Book / Page | 16051 / 231 |
| Map Reference | MB CGH 54 FO 101 |
| Instrument Date | Aug 18, 2023 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1305 CHRISTOPHER CT, BEL AIR, MD 21014-6805 |
| Document Number | 0160510238 |
|---|---|
| Date | Oct 4, 2023 |
| Instrument | 16051-0238 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2053 |
The 2026 property tax bill for 1305 Christopher Ct was $4,852 with a homeowner's exemption, up 16.7% 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 | $4,852.00 (+16.72%) Homeowner's exemption | $445,267 | $536,200 Land $118,100 Building $418,100 |
| 2025 | $4,157.00 Homeowner's exemption | ||
| 2023 | $363,200 | $399,800 Land $118,100 Building $281,700 | |
| 2022 | $3,759.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1305 Christopher Ct 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 7 (15% premium discount) |
| Nearby Flood Policies | 2 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 1305 Christopher Ct 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 98% of the US · lower than 96% 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 404 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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