1327 Locust Ave, Bel Air, MD 21014 Property Records

Harford County property record for 1327 Locust Ave, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,778 sqft · built 2004
Lot Size	0.257 acres (11,194 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Sep 2008)
Tax Bill	$5,295 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit May 2018 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-258521`

Property Details

APN / Parcel Number

Primary APN	`03-258521`
Alternative APNs	`3258521` `258521`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,778 sqft Total Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,194 sqft (0.257 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	429 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	258521
Street Address	1327 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	LOT 33 11194 SF 1327 LOCUST AVENUE BIRCHWOOD MANOR P 109/91
Legal Subdivision	BIRCHWOOD MANOR PH 01
Legal Lot Number	33
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	1327 LOCUST AVE, BEL AIR, MD 21014-2205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FCU
May 16, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ABERDEEN PROVING GROUND FCU
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERNET BANK OF INDIANA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2008 · Amount on Record
Deed Sale	Sep 8, 2008 · Amount on Record
Prior Sale	Nov 17, 2004 · Amount on Record
Deed Document Number	2008281
Deed Book / Page	7928 / 442
Transfer Doc	0000001888
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1327 LOCUST AVE, BEL AIR, MD 21014-2205
Transaction Type	Mortgage
Record Updated	Dec 3, 2025
Title Company	GETZ TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1327 LOCUST AVE, BEL AIR, MD 21014-2205

Mortgage

Document Number	0169040327
Date	Nov 21, 2025
Book Page	16904/327

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1327 LOCUST AVE, BEL AIR, MD 21014-2205
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0128200322
Date	May 16, 2018
Book Page	12820/0322

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 5, 2033

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1327 LOCUST AVE, BEL AIR, MD 21014-2205
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150130301
Date	Sep 8, 2021
Book Page	15013/301

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	231 Months
Due	Dec 1, 2040

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1327 LOCUST AVE, BEL AIR, MD 21014-2205
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1327 LOCUST AVE, BEL AIR, MD 21014-2205

Mortgage

Document Number	0150800336
Date	Oct 6, 2021
Book Page	15080/336

Lender

Name	FIRST INTERNET BANK OF INDIANA
Type	Bank
Address	FISHERS, IN 46037

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

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	$5,295.00 (+8.5%) Homeowner's exemption	$485,867 (+13.96%)	$519,000 (+10.59%) Land $103,000 Building $416,000
2025	$4,880.00 (+10.58%)
2023		$426,367	$469,300 Land $103,000 Building $366,300
2022	$4,413.00

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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