2103 Cypress Dr, Bel Air, MD 21015 Property Records

Harford County property record for 2103 Cypress Dr, Bel Air, MD 21015

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,755 sqft · built 1972
Lot Size	0.511 acres (22,275 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,000 (Jun 2016)
Tax Bill	$5,624 (2026)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-070142`

Property Details

APN / Parcel Number

Primary APN	`01-070142`
Alternative APNs	`1070142` `070142`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,755 sqft Total Area
Basement Area	1,300 sqft
Finished Basement	1,300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	22,275 sqft (0.511 acres)
Lot Dimensions	198 ft deep x 113 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	400 sqft
Patio Area	304 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	070142
Street Address	2103 CYPRESS DR
City	BEL AIR
State	MD
Zip	21015-6004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 42 22275 SF 2103 CYPRESS DRIVE VALLEY VIEW S 5 PT 22/77
Legal Subdivision	VALLEY VIEW SEC V
Legal Lot Number	42
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	1
Census Block	1004
Census Tract	301202

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2103 CYPRESS DR, BEL AIR, MD 21015-6004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2016 · Amount on Record
Deed Sale	Jun 20, 2016 · Amount on Record
Prior Sale	Jun 11, 2012 · Amount on Record
Deed Book / Page	11853 / 428
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2103 CYPRESS DR, BEL AIR, MD 21015-6004
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BETTERS LAW TTL & STLMT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0143400434
Date	Dec 17, 2020
Book Page	14340/434

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

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	$5,624.00 (+27.88%) Homeowner's exemption	$516,100 (+27.68%) Land $96,700 Building $419,400	$516,100 (+27.68%) Land $96,700 Building $419,400
2025	$4,398.00 (+10.59%) Homeowner's exemption
2023		$404,200 Land $96,700 Building $307,500	$404,200 Land $96,700 Building $307,500
2022	$3,977.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	None beyond 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	HARFORD COUNTY D.P.W. serves 104,567 people · EPA ID MD0120016
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 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	2 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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20