1312 Germander Dr, Belcamp, MD 21017 Property Records

Harford County property record for 1312 Germander Dr, Belcamp, MD 21017

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,140 sqft · built 1993
Lot Size	0.046 acres (2,000 sqft)
Owner	Individual Name on File
Last Sale	$283,550 (Apr 2026)
Tax Bill	$2,168 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-251260`

Property Details

APN / Parcel Number

Primary APN	`01-251260`
Alternative APNs	`1251260` `251260`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,140 sqft Total Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,000 sqft (0.046 acres)
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	251260
Street Address	1312 GERMANDER DR
City	BELCAMP
State	MD
Zip	21017-1652
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R4
Legal Description	LOT 268 2000 SF 1312 GERMANDER DRIVE RIVERSIDE S3J PT 74/74
Legal Subdivision	VILLAGE CHURCH CRK SEC IIIJ
Legal Lot Number	268
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2011
Census Tract	301704

Owner

1312 Germander Dr, a townhouse, is owned and occupied by an individual who bought it in April 2026.

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	1312 GERMANDER DR, BELCAMP, MD 21017-1652
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2026 · Amount on File
Deed Sale	Apr 8, 2026 · Amount on File
Prior Sale	Nov 16, 2005 · Amount on File
Deed Book / Page	17072 / 417
Transfer Doc	0045470457
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Apr 8, 2026
Property Address	1312 GERMANDER DR, BELCAMP, MD 21017-1652
Document Number	1707000417
Book / Page	17072 / 417
Instrument Date	Mar 2, 2026
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCE GUARANTY COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$286,385.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1312 GERMANDER DR, BELCAMP, MD 21017-1652

Mortgage

Document Number	1707000425,
Date	Apr 8, 2026
Book Page	17072/425

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 1312 Germander Dr was $2,168, up 15.1% from the year before.

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	$2,168.00 (+15.07%)	$199,000 (+7.03%) Land $45,000 Building $154,000	$199,000 (-) Land $45,000 Building $154,000
2025	$1,884.00	$185,933	$199,000 Land $45,000 Building $154,000
2023		$159,800 Land $45,000 Building $114,800	$159,800 Land $45,000 Building $114,800
2022	$1,671.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1312 Germander Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · 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

Wildfire risk around 1312 Germander 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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	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.

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 202 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