Harford County property record for 1908 Ruffs Mill Rd, Bel Air, MD 21015
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,100 sqft · built 1972 |
| Lot Size | 2.37 acres (103,237 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,364 (2026) |
| Deeds & Mortgages | Nov 2025 Mortgage Jun 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-069036 |
| Primary APN | 03-069036 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,100 sqft Total Area |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 103,237 sqft (2.37 acres) |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 908 sqft |
| Deck Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 540 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 069036 |
|---|---|
| Street Address | 1908 RUFFS MILL RD |
| City | BEL AIR |
| State | MD |
| Zip | 21015-1120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | 2.37 ACRES 1908 RUFFS MILL ROAD E OF HICKORY |
| Legal Subdivision | CHARLES K WILSON LAND |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 303101 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lower Deer Creek Valley Historic District listed 1993 · 275 contributing resources · NRIS 93001143 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 1908 RUFFS MILL RD, BEL AIR, MD 21015-1120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 3, 2025 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 16, 2023 | Deed, Transfer · FHA Mortgage MERIDIAN BANK |
| Dec 26, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 3, 2020 | Deed, Transfer · Conventional Mortgage NFM INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 16, 2023 |
| Deed Sale | Jun 16, 2023 |
| Prior Sale | Sep 3, 2020 · Amount on Record |
| Deed Book / Page | 15942 / 176 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1908 RUFFS MILL RD, BEL AIR, MD 21015-1120 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Title Company | UNKNOWN, TOWNSGATE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 1908 RUFFS MILL RD, BEL AIR, MD 21015-1120 |
| Document Number | 0168740484 |
|---|---|
| Date | Nov 3, 2025 |
| Book Page | 16874/484 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jun 16, 2023 |
| Property Address | 1908 RUFFS MILL RD, BEL AIR, MD 21015-1120 |
| Document Number | 0159420176 |
| Book / Page | 15942 / 176 |
| Instrument Date | Jun 12, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2023 |
| Title Company | BLACK OAK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1908 RUFFS MILL RD, BEL AIR, MD 21015-1120 |
| Document Number | 0159420184 |
|---|---|
| Date | Jun 16, 2023 |
| Instrument | 15942-0184 |
| Name | MERIDIAN BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1908 RUFFS MILL RD, BEL AIR, MD 21015-1120 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0131020306 |
|---|---|
| Date | Dec 26, 2018 |
| Book Page | 13102/0306 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | 00000 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 3, 2020 |
| Property Address | 1908 RUFFS MILL RD, BEL AIR, MD 21015-1120 |
| Document Number | 0140830219 |
| Book / Page | 14083 / 219 |
| Instrument Date | Aug 31, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | MID ATLANTIC STLMT SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1908 RUFFS MILL RD, BEL AIR, MD 21015-1120 |
| Document Number | 0014083227 |
|---|---|
| Date | Sep 3, 2020 |
| Instrument | 14083/227 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
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 | $4,364.00 (+21.39%) Homeowner's exemption | $394,967 (+28.47%) | $440,300 (+18.26%) Land $118,500 Building $321,800 |
| 2025 | $3,595.00 (+17.6%) Homeowner's exemption | ||
| 2023 | $307,433 (+11.79%) | $372,300 (+35.38%) Land $118,500 Building $253,800 | |
| 2022 | $3,057.00 (-3.87%) Homeowner's exemption | $275,000 Land $118,500 Building $156,500 | $275,000 Land $118,500 Building $156,500 |
| 2021 | $3,180.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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.
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.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Armstrong Cable | 1,000 / 20 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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