2 Stuart Ter, Bel Air, MD 21014 Property Records

Harford County property record for 2 Stuart Ter, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,480 sqft · built 1960
Lot Size	0.552 acres (24,053 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,223 (2025)
Deeds & Mortgages	Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-152928`

Property Details

APN / Parcel Number

Primary APN	`03-152928`
Alternative APNs	`3152928` `152928`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,480 sqft Total Area
Basement Area	300 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	24,053 sqft (0.552 acres)
Lot Dimensions	129 ft deep x 129 ft wide
Garage Type	Basement
Garage Area	288 sqft
Porch	Slab
Porch Area	56 sqft
Deck Area	714 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	152928
Street Address	2 STUART TER
City	BEL AIR
State	MD
Zip	21014-5424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 1 24053 SF 2 STUART TERRACE WORTHINGTON HTS P7/42
Legal Subdivision	WORTHINGTON HEIGHTS
Legal Lot Number	1
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2011
Census Tract	303602

Owner

Source: Harford County records · APN 03-152928

Assessment roll updated August 12, 2025 · Last verified August 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 File
Mailing Address	2 STUART TER, BEL AIR, MD 21014-5424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 25, 2010
Deed Sale	May 25, 2010
Prior Sale	Mar 31, 2009
Deed Document Number	20101453
Deed Book / Page	8652 / 75
Transfer Doc	0000001490
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2 STUART TER, BEL AIR, MD 21014-5424
Document Number	0131530150
Instrument Date	Feb 05, 2019
Transaction Type	Mortgage
Record Updated	Feb 21, 2019
Title Company	AMC SETTLEMENT SERVICES LLC, AMC SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2 STUART TER BEL AIR MD 210145424, BEL AIR, MD 21014-5424

Mortgage

Document Number	0131530150
Date	Feb 12, 2019
Book Page	013153/000150

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 11, 2034

Tax Assessment & Valuation

Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$317,067 (+12.06%)	$326,000 (+4.29%) Land $97,000 Building $229,000
2025	$3,223.00 (+10.3%) Homeowner's exemption
2023		$282,933	$312,600 Land $97,000 Building $215,600
2022	$2,922.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 15, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2004 · tidal / storm surge

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 274 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MARYLAND AMERICAN WATER COMPANY private · serves 13,200 people
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	2 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	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.