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2431 Cool Spring Rd, Bel Air, MD 21015 Property Records

Harford County property record for 2431 Cool Spring Rd, Bel Air, MD 21015 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 1,450 sqft · built 1985
Lot Size0.74 acres (32,234 sqft)
OwnerIndividual Name on File
Last Sale$350,000 (Feb 2020)
Tax Bill$3,589 (2025)
Deeds & MortgagesJun 2023 Mortgage
Aug 2017 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN03-150542

Property Details

APN / Parcel Number

Primary APN03-150542
Alternative APNs
  • 3150542
  • 150542

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area1,450 sqft Total Area
Basement Area640 sqft
Finished Basement640 sqft

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Architectural StyleSplit Foyer
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area32,234 sqft (0.74 acres)
Lot Dimensions187 ft deep x 160 ft wide
Garage TypeBasement
Garage Area594 sqft
Parking Spaces2 Parking Spaces
Deck Area192 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating FuelElectric
SewerConnected

Location & Zoning

Account Number150542
Street Address2431 COOL SPRING RD
CityBEL AIR
StateMD
Zip21015-1318
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 148 162/160X187 2431 COOL SPRING ROAD COOL SPRING S5 P 32/68
Legal SubdivisionSECTION V COOL SPRING
Legal Lot Number148
JurisdictionHARFORD MD
Township / Civil Division3, BEL AIR
Census Block Group1
Census Block1002
Census Tract303102

Owner

Source: Harford County records · APN 03-150542

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 RecordIndividual Name on File
Mailing Address2431 COOL SPRING RD, BEL AIR, MD 21015-1318
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 02, 2023Deed of Trust, Mortgage · Commercial Mortgage
FIRST NATIONAL BANK OF PENNSYLVANIA
Aug 17, 2017Deed of Trust, Mortgage · Conventional Mortgage
PACIFIC UNION FINANCIAL LLC
Feb 04, 2020Deed, Transfer · Conventional Mortgage
HOWARD BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 04, 2020 · Amount on Record
Deed SaleFeb 04, 2020 · Amount on Record
Prior SaleFeb 06, 1991 · Amount on Record
Deed Book / Page13673 / 35
Record UpdatedSep 20, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHARFORD MD
Property Address2431 COOL SPRING RD, BEL AIR, MD 21015-1318
Transaction TypeMortgage
Record UpdatedJun 14, 2023
Title CompanyCORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0159240325
DateJun 02, 2023
Book Page15924/325
Lender
NameFIRST NATIONAL BANK OF PENNSYLVANIA
TypeBank
AddressNOTTINGHAM, MD 21236
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term239 Months
DueMay 25, 2043

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHARFORD MD
Property Address2431 COOL SPRING RD, BEL AIR, MD 21015-1318
Transaction TypeMortgage
Record UpdatedMay 03, 2022
Title CompanyPINNACLE TITLE & ESCROE I

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0124730422
DateAug 17, 2017
Book Page12473/0422
Instrument12473-0422
Lender
NamePACIFIC UNION FINANCIAL LLC
TypeLending Institution
AddressIRVING, TX 75063
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueSep 01, 2032

February 2020: Deed, Transfer

Document TypeDeed
JurisdictionHARFORD MD
Recording DateFeb 04, 2020
Property Address2431 COOL SPRING RD, BEL AIR, MD 21015-1318
Document Number0136730035
Book / Page13673 / 0035
Map ReferenceMB HDC32 FO 68
Instrument DateJan 31, 2020
Transaction TypeTransfer
Record UpdatedMay 03, 2022
Title CompanyGOLDSTAR TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address2431 COOL SPRING RD, BEL AIR, MD 21015-1318

Mortgage

Document Number0001367341
DateFeb 04, 2020
Instrument13673/41
Lender
NameHOWARD BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyHarford County
Unified School DistrictHarford 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.

YearTax BillAssessed ValueAssessed Market Value
2026$351,967 (+16.22%)$366,100 (+6.15%) Land $113,000 Building $253,100
2025$3,589.00 (+14.63%)
2023$302,833$344,900 Land $113,000 Building $231,900
2022$3,131.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Harford County (24025C), updated October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240253031021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims2 (2012–2021)
Claims Outside the SFHA2 of 2
Most Recent ClaimJun 2021, rainfall accumulation

Wildfire

Wildfire RiskLow
above 20% of the US · above 41% of Maryland
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin the Lower Deer Creek Valley Historic District
listed 1993 · 275 contributing resources · NRIS 93001143

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 44 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
Armstrong HoldingsCable1,000 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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