1548 Somerville Rd, Bel Air, MD 21015 Property Records

Harford County property record for 1548 Somerville Rd, Bel Air, MD 21015

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,096 sqft · built 2020
Lot Size	1.36 acres (59,242 sqft)
Owner	2 Individual Names on File
Last Sale	$618,000 (Apr 2020)
Tax Bill	$7,826 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Apr 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`03-400550`

Property Details

APN / Parcel Number

Primary APN	`03-400550`
Alternative APN	`400550`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,096 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	59,242 sqft (1.36 acres)
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	400550
Street Address	1548 SOMERVILLE RD
City	BEL AIR
State	MD
Zip	21015-6027
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 1 1.36 AC 1548 SOMERVILLE ROAD LD ARCHER PT 206/76
Legal Lot Number	1
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1018
Census Tract	303501

Owner

1548 Somerville Rd is owned and occupied by two individuals who bought it in April 2020.

Source: Harford County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1548 SOMERVILLE RD, BEL AIR, MD 21015-6027
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2020	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Apr 29, 2019	Loan Modification, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2020 · Amount on File
Deed Sale	Apr 1, 2020 · Amount on File
Prior Sale	Apr 29, 2019 · Amount on File
Deed Book / Page	13770 / 47
Prior Transfer Date	Aug 17, 2018
Prior Transfer Doc	0130250472
Record Updated	Oct 29, 2026

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Apr 1, 2020
Property Address	1548 SOMERVILLE RD, BEL AIR, MD 21015-6027
Document Number	0137700047
Book / Page	13770 / 47
Map Reference	LB JJR 206 FO 76
Instrument Date	Mar 27, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	OMNI LAND SETTLEMENT CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1548 SOMERVILLE RD, BEL AIR, MD 21015-6027

Mortgage

Document Number	0001377052
Date	Apr 1, 2020
Instrument	13770/52

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARFORD MD
Recording Date	Apr 29, 2019
Property Address	1548 SOMERVILLE RD, BEL AIR, MD 21015-6027
Document Number	0132390447
Book / Page	013239 / 000447
Instrument Date	Apr 1, 2019
Transaction Type	Mortgage
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1548 SOMERVILLE RD BEL AIR MD 21015, BEL AIR, MD 21015

Mortgage

Document Number	0132390447
Date	Apr 29, 2019
Book Page	013239/000447

Lender

Name	MANUFACTURERS & TRADERS TR

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1548 Somerville Rd was $7,826, up 7.5% from the year before.

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	$7,826.00 (+7.47%)	$712,633 (+2.77%)	$751,100 (+8.32%) Land $118,900 Building $632,200
2025	$7,282.00	$693,400 Land $118,900 Building $574,500	$693,400 Land $118,900 Building $574,500
2023		$631,933	$693,400 Land $118,900 Building $574,500
2022	$6,612.00

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

Flood

FEMA maps place 1548 Somerville Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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
Nearby Flood Claims	1 (2003)
Most Recent Claim	Aug 2003 · rainfall accumulation

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

Wildfire risk around 1548 Somerville Rd is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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