Harford County property record for 2122 Ruffs Mill Rd, Bel Air, MD 21015
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,384 sqft · built 1955 |
| Lot Size | 0.63 acres (27,442 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $303,000 (Jul 2018) |
| Tax Bill | $3,820 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-044017 |
| Primary APN | 03-044017 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,384 sqft Total Area |
| Basement Area | 900 sqft |
| Finished Basement | 900 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 27,442 sqft (0.63 acres) |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 310 sqft |
| Deck Area | 700 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Connected |
| Account Number | 044017 |
|---|---|
| Street Address | 2122 RUFFS MILL RD |
| City | BEL AIR |
| State | MD |
| Zip | 21015-1124 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | LOT 0.6301 AC 2122 RUFFS MILL ROAD N E OF HICKORY |
| Legal Subdivision | PETERSON 03 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 303101 |
Source: Harford County records, as of August 18, 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 | 2122 RUFFS MILL RD, BEL AIR, MD 21015-1124 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2022 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Dec 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF VETERANS AFFAIRS |
| Aug 11, 2022 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jul 27, 2018 | Deed, Transfer · FHA Mortgage GATEWAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2018 · Amount on Record |
| Deed Sale | Jul 27, 2018 · Amount on Record |
| Prior Sale | Dec 22, 1998 · Amount on Record |
| Deed Book / Page | 12918 / 1 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 2122 RUFFS MILL RD, BEL AIR, MD 21015-1124 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0155180369 |
|---|---|
| Date | May 19, 2022 |
| Book Page | 15518/369 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 2122 RUFFS MILL RD, BEL AIR, MD 21015-1124 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0143470203 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 14347/203 |
| Name | DEPARTMENT OF VETERANS AFFAIRS |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Aug 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 2122 RUFFS MILL RD, BEL AIR, MD 21015-1124 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0156290210 |
|---|---|
| Date | Aug 11, 2022 |
| Book Page | 15629/210 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | May 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jul 27, 2018 |
| Property Address | 2122 RUFFS MILL RD, BEL AIR, MD 21015-1124 |
| Document Number | 0129180001 |
| Book / Page | 12918 / 0001 |
| Instrument Date | Jul 17, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,487.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2122 RUFFS MILL RD, BEL AIR, MD 21015-1124 |
| Document Number | 0000129188 |
|---|---|
| Date | Jul 27, 2018 |
| Instrument | 12918/8 |
| Name | GATEWAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
Source: Harford County assessment roll, as of August 12, 2025
| 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 | $374,733 (+14.81%) | $397,000 (+9.19%) Land $98,700 Building $298,300 | |
| 2025 | $3,820.00 (+11.89%) | ||
| 2023 | $326,400 | $363,600 Land $98,700 Building $264,900 | |
| 2022 | $3,414.00 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Armstrong Cable | 1,000 / 20 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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