225 E Ring Factory Rd, Bel Air, MD 21014 Property Records

Harford County property record for 225 E Ring Factory Rd, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,432 sqft · built 1964
Lot Size	0.567 acres (24,684 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Jul 2025)
Tax Bill	$60 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2016 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-128628`

Property Details

APN / Parcel Number

Primary APN	`03-128628`
Alternative APNs	`3128628` `128628`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,432 sqft Total Area
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	24,684 sqft (0.567 acres)
Lot Dimensions	200 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Pool Area	720 sqft
Deck Area	300 sqft
Patio Area	532 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	128628
Street Address	225 E RING FACTORY RD
City	BEL AIR
State	MD
Zip	21014-5511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 27 0.567 AC 225 E RING FACTORY ROAD WORTHINGTON HTS PT 7/42
Legal Subdivision	WORTHINGTON HEIGHTS
Legal Lot Number	27
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1001
Census Tract	303602

Owner

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	225 E RING FACTORY RD, BEL AIR, MD 21014-5511
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND
Dec 15, 2016	Deed of Trust, Mortgage · Line of Credit STATE EMP CU/MD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2025 · Amount on Record
Deed Sale	Jul 30, 2025 · Amount on Record
Deed Book / Page	16749 / 30
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	225 E RING FACTORY RD, BEL AIR, MD 21014-5511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0140750182
Date	Aug 31, 2020
Book Page	14075/182

Lender

Name	STATE EMPLOYEES CU OF MARYLAND
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	225 E RING FACTORY RD, BEL AIR, MD 21014-5511
Document Number	0122030402
Book / Page	012203 / 000402
Instrument Date	Dec 15, 2016
Transaction Type	Mortgage
Record Updated	Feb 24, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 E RING FACTORY RD BEL AIR MD 210145511, BEL AIR, MD 21014-5511

Mortgage

Document Number	0122030402
Date	Jan 27, 2017
Book Page	012203/000402

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	LINTHICUM, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2047

Interest

Rate Type	Adjustable Rate

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	$60.00 (-98.07%)	$382,600 (+17.12%)	$420,600 (+15.68%) Land $97,300 Building $323,300
2025	$3,104.00 (+10.23%) Homeowner's exemption
2023		$326,667	$363,600 Land $97,300 Building $266,300
2022	$2,816.00

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 · 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	2 in force
Nearby Flood Claims	3 (1983–2007)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2007 · tidal / storm surge

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 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	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 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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