2813 Conowingo Rd, Bel Air, MD 21015 Property Records

Harford County property record for 2813 Conowingo Rd, Bel Air, MD 21015

Property Summary

Property Type	Single Family Home
Details	4 ba · 6,956 sqft · built 1958
Lot Size	5.89 acres (256,568 sqft)
Owner	2 Individual Names on Record
Last Sale	$242,000 (Aug 2013)
Tax Bill	$11,229 (2026)
Deeds & Mortgages	Dec 2023 Mortgage May 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-042979`

Property Details

APN / Parcel Number

Primary APN	`03-042979`
Alternative APNs	`3042979` `042979`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	6,956 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	256,568 sqft (5.89 acres)
Garage Type	Mixed
Garage Area	1,472 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	100 sqft
Deck Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	042979
Street Address	2813 CONOWINGO RD
City	BEL AIR
State	MD
Zip	21015-1007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 5.898 AC 2813 CONOWINGO ROAD N E OF HICKORY
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2001
Census Tract	303101

Historic Designation

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

Historic District	Within 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.

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	2813 CONOWINGO RD, BEL AIR, MD 21015-1007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES SAVINGS BANK
May 22, 2023	Deed of Trust, Mortgage · Unknown PEOPLES BANK
Dec 13, 2022	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Feb 7, 2019	Intrafamily Transfer, Transfer · ARM PEOPLES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2013 · Amount on Record
Deed Sale	Aug 29, 2013 · Amount on Record
Prior Sale	Feb 6, 1985 · Amount on Record
Deed Book / Page	10461 / 327
Last Transfer Date	Dec 27, 2018
Transfer Doc	0131480500
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2813 CONOWINGO RD, BEL AIR, MD 21015-1007
Transaction Type	Mortgage
Record Updated	Dec 13, 2023
Title Company	MAIN STREET TITLE OKC LLC, MAIN STREET TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0161080381
Date	Dec 1, 2023
Book Page	16108/381

Lender

Name	PEOPLES SAVINGS BANK
Type	Bank
Address	YORK, PA 17407

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2026
Change Frequency	Annually
Min Rate At Change	7%
Max Rate At Change	9%
Index	1-Year CMT
Margin	3
Max Rate	13%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2813 CONOWINGO RD, BEL AIR, MD 21015-1007
Transaction Type	Mortgage
Record Updated	Jun 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2813 CONOWINGO RD, BEL AIR, MD 21015-1007

Mortgage

Document Number	0159110212
Date	May 22, 2023
Book Page	15911/212

Lender

Name	PEOPLES BANK
Type	Bank
Address	YORK, PA 17403

Agreement

Type	Unknown
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2813 CONOWINGO RD, BEL AIR, MD 21015-1007
Transaction Type	Mortgage
Record Updated	Dec 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2813 CONOWINGO RD, BEL AIR, MD 21015-1007

Mortgage

Document Number	0157680492
Date	Dec 13, 2022
Book Page	15768/492

Lender

Name	PEOPLES BANK
Type	Bank
Address	PARKVILLE, MD 21234

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	Feb 7, 2019
Property Address	2813 CONOWINGO RD, BEL AIR, MD 21015-1007
Document Number	0131480500
Book / Page	13148 / 0500
Instrument Date	Dec 27, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ADVANTAGE TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2813 CONOWINGO RD, BEL AIR, MD 21015-1007

Mortgage

Document Number	0013148504
Date	Feb 7, 2019
Instrument	13148/504

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	366 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	7.12%
Index	LIBOR
Margin	3
Max Rate	11.1%

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	$11,229.00 (+16.3%) Homeowner's exemption	$1,024,833 (+3.33%)	$1,090,900 (+9.99%) Land $131,100 Building $959,800
2025	$9,655.00 (+288.06%) Homeowner's exemption	$991,800 (+329.91%) Land $131,100 Building $860,700	$991,800 (+302.35%) Land $131,100 Building $860,700
2023		$230,700	$246,500 Land $131,100 Building $115,400
2022	$2,488.00

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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