1331 Locust Ave, Bel Air, MD 21014 Property Records

Harford County property record for 1331 Locust Ave, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,224 sqft · built 1996
Lot Size	0.294 acres (12,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,950 (Dec 1997)
Tax Bill	$4,970 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-258556`

Property Details

APN / Parcel Number

Primary APN	`03-258556`
Alternative APNs	`3258556` `258556`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,224 sqft Total Area
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,810 sqft (0.294 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	190 sqft
Deck Area	210 sqft
Patio Area	185 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	258556
Street Address	1331 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 35 12810 SF 1331 LOCUST AVENUE BIRCHWOOD MANOR P 67/17
Legal Subdivision	BIRCHWOOD MANOR PH 01
Legal Lot Number	35
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1331 LOCUST AVE, BEL AIR, MD 21014-2205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 1997 · Amount on Record
Deed Sale	Dec 19, 1997 · Amount on Record
Prior Sale	Nov 25, 1996 · Amount on Record
Deed Document Number	19971152
Deed Book / Page	2609 / 195
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1331 LOCUST AVE, BEL AIR, MD 21014-2205
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	OMNI LAND SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0135610494
Date	Nov 22, 2019
Book Page	13561/0494

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2039

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1331 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	0148670462
Date	Jun 28, 2021
Book Page	14867/462

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

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	$4,970.00 (+8.71%) Homeowner's exemption	$456,033 (+13.85%)	$486,300 (+10.3%) Land $103,800 Building $382,500
2025	$4,572.00 (+10.3%) Homeowner's exemption
2023		$400,567	$440,900 Land $103,800 Building $337,100
2022	$4,145.00

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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