1325 Locust Ave, Bel Air, MD 21014 Property Records

Harford County property record for 1325 Locust Ave, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,825 sqft · built 2004
Lot Size	0.269 acres (11,717 sqft)
Owner	2 Individual Names on Record
Last Sale	$414,900 (Sep 2016)
Tax Bill	$5,950 (2026)
Deeds & Mortgages	Jan 2026 Second Mortgage Sep 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-258610`

Property Details

APN / Parcel Number

Primary APN	`03-258610`
Alternative APNs	`3258610` `258610`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,825 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,717 sqft (0.269 acres)
Garage Type	Mixed
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	238 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	258610
Street Address	1325 LOCUST AVE
City	BEL AIR
State	MD
Zip	21014-2205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 62 11717 SF 1325 LOCUST AVENUE BIRCHWOOD MANOR P 109/91
Legal Subdivision	BIRCHWOOD MANOR
Legal Lot Number	62
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1006
Census Tract	303206

Owner

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	2 Individual Names on Record
Mailing Address	1325 LOCUST AVE, BEL AIR, MD 21014-2205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Sep 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2016 · Amount on Record
Deed Sale	Sep 21, 2016 · Amount on Record
Prior Sale	Sep 14, 2007 · Amount on Record
Deed Book / Page	12002 / 255
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1325 LOCUST AVE, BEL AIR, MD 21014-2205
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	UNKNOWN, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0169670039
Date	Jan 14, 2026
Book Page	16967/39

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2036

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1325 LOCUST AVE, BEL AIR, MD 21014-2205
Transaction Type	Mortgage
Record Updated	Oct 5, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0160420398
Date	Sep 26, 2023
Book Page	16042/398

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2043

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1325 LOCUST AVE, BEL AIR, MD 21014-2205
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	LAWYERS EXPRESS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0141600308
Date	Oct 6, 2020
Book Page	14160/308

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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	$5,950.00 (+8.76%)	$545,933 (+14.4%)	$584,200 (+10.9%) Land $103,300 Building $480,900
2025	$5,471.00 (+10.97%)
2023		$477,200	$526,800 Land $103,300 Building $423,500
2022	$4,930.00

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

Flood

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 90% 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.

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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: AT&T.

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