1403 Conowingo Rd, Bel Air, MD 21014 Property Records

Harford County property record for 1403 Conowingo Rd, Bel Air, MD 21014

Property Summary

Property Type	Community Shopping Center, Mini-Mall
Details	1 ba · 12,750 sqft · built 2008
Lot Size	2 acres (87,120 sqft)
Owner	Company Name on Record
Tax Bill	$47,020 (2026)
Deeds & Mortgages	Nov 2018 Line of Credit Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-038440`

Property Details

APN / Parcel Number

Primary APN	`03-038440`
Alternative APNs	`3038440` `038440`

Interior

Units	3 Units
Stories	1 Story
Building Area	12,750 sqft Total Area
1st Floor Area	12,750 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Canopy	2,550 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	038440
Street Address	1403 CONOWINGO RD
City	BEL AIR
State	MD
Zip	21014-1809
Property Category	Commercial
Property Type	Commercial > Retail > Community Shopping Center, Mini-Mall
Local Zoning Code	B3
Legal Description	2 ACRES 1403 CONOWINGO ROAD N OF BEL AIR
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	4
Census Block	4004
Census Tract	303603

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	Company Name on Record
Mailing Address	423 SAINT JOHN ST, HAVRE DE GRACE, MD 21078-3182
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2018	Deed of Trust, Mortgage · Line of Credit FREEDOM FCU
Nov 29, 2018	Deed of Trust, Mortgage · Line of Credit FREEDOM FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 1999
Deed Sale	Aug 5, 1999
Prior Sale	Jan 30, 1996
Deed Document Number	1999201
Deed Book / Page	3083 / 236
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1403 CONOWINGO RD, BEL AIR, MD 21014-1809
Document Number	0132270470
Instrument Date	Nov 29, 2018
Transaction Type	Mortgage
Record Updated	Apr 26, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1403 CONOWINGO RD BEL AIR MD 210141809, BEL AIR, MD 21014-1809

Mortgage

Document Number	0132270470
Date	Apr 16, 2019
Book Page	013227/000470

Lender

Name	FREEDOM FCU
Type	Credit Union
Address	2019 EMMORTON RD, BEL AIR, MD 21015-6171

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 15, 2034

Interest

Rate Type	Adjustable Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1403 CONOWINGO RD, BEL AIR, MD 21014-1809
Document Number	0130900142
Instrument Date	Nov 29, 2018
Transaction Type	Mortgage
Record Updated	Dec 27, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1403 CONOWINGO RD BEL AIR MD 210141809, BEL AIR, MD 21014-1809

Mortgage

Document Number	0130900142
Date	Dec 12, 2018
Book Page	013090/000142

Lender

Name	FREEDOM FCU
Type	Credit Union
Address	2019 EMMORTON RD, BEL AIR, MD 21015-6171

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 11, 2033

Interest

Rate Type	Adjustable Rate

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	$47,020.00 (+2.75%)	$4,314,200 (+4.56%)	$4,400,000 (+3.01%) Land $2,100,000 Building $2,300,000
2025	$45,760.00 (+3.59%)
2023		$4,125,967	$4,271,300 Land $2,100,000 Building $2,171,300
2022	$44,176.00

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	1 in force
Nearby Flood Claims	1 (1984)
Most Recent Claim	Jul 1984 · tidal / storm surge

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 163 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Armstrong.

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