Harford County property record for 1315 Germander Dr, Belcamp, MD 21017
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 930 sqft · built 1992 |
| Lot Size | 0.046 acres (2,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (May 2026) |
| Tax Bill | $2,237 (2026) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-250884 |
| Primary APN | 01-250884 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 930 sqft Total Area |
| Basement Area | 345 sqft |
| Finished Basement | 345 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,000 sqft (0.046 acres) |
| Deck Area | 256 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 250884 |
|---|---|
| Street Address | 1315 GERMANDER DR |
| City | BELCAMP |
| State | MD |
| Zip | 21017-1624 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R4 |
| Legal Description | LOT 234 2000 SF 1315 GERMANDER DRIVE RIVERSIDE S3J PT 74/74 |
| Legal Subdivision | RIVERSIDE VILLAGE OF CHURCH CREEK |
| Legal Lot Number | 234 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 301704 |
1315 Germander Dr, a townhouse, is owned and occupied by an individual who bought it in May 2026.
Source: Harford County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1315 GERMANDER DR, BELCAMP, MD 21017-1624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| May 6, 2026 | Deed, Transfer · FHA Mortgage MERIDIAN BANK |
| Dec 3, 2018 | Grant Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2026 · Amount on File |
| Deed Sale | May 6, 2026 · Amount on File |
| Prior Sale | Dec 3, 2018 · Amount on File |
| Deed Book / Page | 17113 / 89 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | May 6, 2026 |
| Property Address | 1315 GERMANDER DR, BELCAMP, MD 21017-1624 |
| Document Number | 1711000089 |
| Book / Page | 17113 / 89 |
| Instrument Date | Apr 30, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Title Company | GUARANTEED TRUST TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $247,450.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1315 GERMANDER DR, BELCAMP, MD 21017-1624 |
| Document Number | 1711000097, |
|---|---|
| Date | May 6, 2026 |
| Book Page | 17113/97 |
| Name | MERIDIAN BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Number | 0171130119, |
|---|---|
| Date | May 6, 2026 |
| Book Page | 17113/119 |
| Name | DEPARTMENT OF HSNG AND COMMUNITY |
|---|
| Amount | Amount on Record |
|---|
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Dec 3, 2018 |
| Property Address | 1315 GERMANDER DR, BELCAMP, MD 21017-1624 |
| Document Number | 0130780038 |
| Book / Page | 013078 / 000038 |
| Instrument Date | Nov 28, 2018 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2018 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $164.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 1315 GERMANDER DR BELCAMP MD 210171624, BELCAMP, MD 21017-1624 |
| Document Number | 130780045 |
|---|---|
| Date | Dec 3, 2018 |
| Book Page | 013078/000045 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 2, 2048 |
The 2026 property tax bill for 1315 Germander Dr was $2,237, up 15.7% 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 | $2,237.00 (+15.73%) | $205,300 (+7.3%) Land $45,500 Building $159,800 | $205,300 (-) Land $45,500 Building $159,800 |
| 2025 | $1,933.00 | $191,333 | $205,300 Land $45,500 Building $159,800 |
| 2023 | $163,400 Land $45,500 Building $117,900 | $163,400 Land $45,500 Building $117,900 | |
| 2022 | $1,700.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1315 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 risk around 1315 Germander Dr 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 94% of the US · lower than 89% 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 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 |
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