Harford County property record for 1318 Germander Dr, Belcamp, MD 21017
| Property Type | Townhouse |
|---|---|
| Details | 2 ba · 1,120 sqft · built 1994 |
| Lot Size | 0.046 acres (2,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Feb 2026) |
| Tax Bill | $2,319 (2026) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-251236 |
| Primary APN | 01-251236 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,120 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,000 sqft (0.046 acres) |
| Deck Area | 150 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 251236 |
|---|---|
| Street Address | 1318 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 265 2000 SF 1318 GERMANDER DRIVE RIVERSIDE S3J PT 74/74 |
| Legal Subdivision | RIVERSIDE |
| Legal Lot Number | 265 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 301704 |
1318 Germander Dr, a townhouse, is owned and occupied by an individual who bought it in February 2026.
Source: Harford County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1318 GERMANDER DR, BELCAMP, MD 21017-1652 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
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, Transfer · Conventional Mortgage ABERDEEN PROVING GROUND FCU |
| Jun 29, 2018 | Deed of Trust, Mortgage · Commercial Mortgage HOWARD BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 17, 2026 · Amount on File |
| Deed Sale | Feb 17, 2026 · Amount on File |
| Prior Sale | Oct 22, 2015 · Amount on File |
| Deed Book / Page | 17002 / 290 |
| Prior Transfer Date | Jan 23, 2026 |
| Prior Transfer Doc | 0170020290 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Feb 17, 2026 |
| Property Address | 1318 GERMANDER DR, BELCAMP, MD 21017-1652 |
| Document Number | 0170020290 |
| Book / Page | 17002 / 290 |
| Map Reference | MB 74 FO 74 |
| Instrument Date | Jan 23, 2026 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | BLACK OAK TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $637.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 1318 GERMANDER DR, BELCAMP, MD 21017-1652 |
| Document Number | 0017002299 |
|---|---|
| Date | Feb 17, 2026 |
| Instrument | 17002/299 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1318 GERMANDER DR, BELCAMP, MD 21017-1652 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0128880201 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 12888/0201 |
| Name | HOWARD BANK |
|---|---|
| Type | Bank |
| Address | BALTIMORE, MD 21224 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 1318 Germander Dr was $2,319, up 18.7% 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 | $2,319.00 (+18.74%) | $212,800 (+7.17%) Land $45,000 Building $167,800 | $212,800 (-) Land $45,000 Building $167,800 |
| 2025 | $1,953.00 Homeowner's exemption | $198,567 | $212,800 Land $45,000 Building $167,800 |
| 2023 | $170,100 Land $45,000 Building $125,100 | $170,100 Land $45,000 Building $125,100 | |
| 2022 | $1,776.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1318 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 1318 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures