20 Office St, Bel Air, MD 21014 Property Records

Harford County property record for 20 Office St, Bel Air, MD 21014

Property Summary

Property Type	Office Building
Details	3,252 sqft · built 1900
Lot Size	0.105 acres (4,567 sqft)
Owner	Company Name on File
Last Sale	$300,000 (Oct 2004)
Tax Bill	$4,821 (2026)
Deeds & Mortgages	Jun 2021 Line of Credit Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-013553`

Property Details

APN / Parcel Number

Primary APN	`03-013553`
Alternative APNs	`3013553` `013553`

Interior

Units	3 Units
Stories	1 Story
Building Area	3,252 sqft Total Area
1st Floor Area	3,252 sqft
Basement Area	579 sqft
Unfinished Basement	579 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick Veneer
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	4,567 sqft (0.105 acres)
Lot Dimensions	100 ft deep x 18 ft wide

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	013553
Street Address	20 OFFICE ST
City	BEL AIR
State	MD
Zip	21014-3795
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	B2
Legal Description	LOT 58/18X100 20 24 26 OFFICE STREET BEL AIR
Legal Subdivision	BEL AIR
Legal Lot Number	20,26
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1009
Census Tract	303801

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bel Air Courthouse Historic District listed 1985 · 20 contributing resources · NRIS 85001617

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

20 Office St, a commercial property, is owned by a company that bought it in October 2004.

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

Owner of Record	Company Name on File
Mailing Address	30 OFFICE ST, BEL AIR, MD 21014-3704
Owner Type	Company
Vesting	Company

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
Jun 14, 2021	Deed of Trust, Mortgage · Line of Credit HARFORD BANK
Nov 30, 2019	Deed of Trust, Mortgage SKL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2004 · Amount on File
Deed Sale	Oct 20, 2004 · Amount on File
Deed Document Number	2004134
Deed Book / Page	5665 / 510
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	20 OFFICE ST, BEL AIR, MD 21014-3795
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0148270383
Date	Jun 14, 2021
Book Page	14827/383

Lender

Name	HARFORD BANK
Type	Bank
Address	ABERDEEN, MD 21001

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	20 OFFICE ST, BEL AIR, MD 21014-3795
Document Number	0136700040
Instrument Date	Nov 30, 2019
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership
Address	20 OFFICE ST BEL AIR MD 210143704, BEL AIR, MD 21014-3704

Mortgage

Document Number	0136700040
Date	Jan 31, 2020
Book Page	013670/000040

Lender

Name	SKL

Agreement

Amount	Amount on Record

Interest

Rate	3%

Tax Assessment & Valuation

The 2026 property tax bill for 20 Office St was $4,821, up 2.5% from the year before.

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,821.00 (+2.53%)	$505,733	$510,400 Land $287,000 Building $223,400
2025	$4,702.00
2023		$483,267	$503,400 Land $287,000 Building $216,400
2022	$4,511.00

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

Flood

FEMA maps place 20 Office St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.

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 6 (20% premium discount)
Nearby Flood Policies	4 units insured incl. 4 condo units
Nearby Flood Claims	1 (1999)
Most Recent Claim	Sep 1999 · Hurricane Floyd Major Disaster Declarations

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

The area around 20 Office St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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

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, 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 351 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on Office St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures