Harford County property record for 15 E Ring Factory Rd, Bel Air, MD 21014
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,826 sqft · built 1960 |
| Lot Size | 0.453 acres (19,716 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (May 2015) |
| Tax Bill | $3,746 (2026) |
| Deeds & Mortgages | Jul 2020 Mortgage Jul 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-132749 |
| Primary APN | 03-132749 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,826 sqft Total Area |
| Basement Area | 730 sqft |
| Finished Basement | 730 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 19,716 sqft (0.453 acres) |
| Lot Dimensions | 186 ft deep x 102 ft wide |
| Garage Type | Carport |
| Garage Area | 312 sqft |
| Carport | Carport |
| Carport Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 308 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 132749 |
|---|---|
| Street Address | 15 E RING FACTORY RD |
| City | BEL AIR |
| State | MD |
| Zip | 21014-5507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 34 93/119X186 15 E RING FACTORY ROAD COLONIAL ACRES S1 P 9/71 |
| Legal Subdivision | COLONIAL ACRES |
| Legal Lot Number | 15,34 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 303602 |
15 E Ring Factory Rd is owned and occupied by two individuals who bought it in May 2015.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 E RING FACTORY RD, BEL AIR, MD 21014-5507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jul 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM FCU |
| Jul 23, 2020 | Deed of Trust, Mortgage · Line of Credit FREEDOM FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2015 · Amount on File |
| Deed Sale | May 6, 2015 · Amount on File |
| Deed Book / Page | 11224 / 320 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 15 E RING FACTORY RD, BEL AIR, MD 21014-5507 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0139890105 |
|---|---|
| Date | Jul 23, 2020 |
| Book Page | 13989/105 |
| Name | FREEDOM FCU |
|---|---|
| Type | Credit Union |
| Address | BEL AIR, MD 21015 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 15 E RING FACTORY RD, BEL AIR, MD 21014-5507 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0139890125 |
|---|---|
| Date | Jul 23, 2020 |
| Book Page | 13989/125 |
| Name | FREEDOM FCU |
|---|---|
| Type | Credit Union |
| Address | BEL AIR, MD 21014 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 22, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 15 E Ring Factory Rd was $3,746, up 8.5% 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 | $3,746.00 (+8.49%) | $343,767 | $353,300 Land $106,900 Building $246,400 |
| 2025 | $3,453.00 | ||
| 2023 | $294,800 | $339,000 Land $106,900 Building $232,100 | |
| 2022 | $2,972.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 E Ring Factory Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1983.
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 | 3 (1983–2007) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jul 2007 · 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 risk around 15 E Ring Factory Rd is low, with less than 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 97% of the US · lower than 94% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MARYLAND AMERICAN WATER COMPANY private · serves 13,200 people · EPA ID MD0120003 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 274 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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