Harford County property record for 3 Stuart Ter, Bel Air, MD 21014
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,520 sqft · built 1973 |
| Lot Size | 1.08 acres (47,045 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $385,000 (Nov 2008) |
| Tax Bill | $4,834 (2026) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-121283 |
| Primary APN | 03-121283 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,520 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 47,045 sqft (1.08 acres) |
| Garage Type | Carport |
| Garage Area | 336 sqft |
| Carport | Carport |
| Carport Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 216 sqft |
| Deck Area | 120 sqft |
| Patio Area | 276 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 121283 |
|---|---|
| Street Address | 3 STUART TER |
| City | BEL AIR |
| State | MD |
| Zip | 21014-5423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | PARCEL A 1.08 AC 3 STUART TERRACE LD J ARCHER PT 29/57 |
| Legal Subdivision | ARCHER J |
| Legal Lot Number | A |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 303602 |
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 | 3 STUART TER, BEL AIR, MD 21014-5423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2008 · Amount on Record |
| Deed Sale | Nov 18, 2008 · Amount on Record |
| Prior Sale | Jun 30, 1989 · Amount on Record |
| Deed Document Number | 2008645 |
| Deed Book / Page | 7986 / 419 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 3 STUART TER, BEL AIR, MD 21014-5423 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | USA NATIONAL TITLE COMPANY, BAY NATIONAL TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 3 STUART TER, BEL AIR, MD 21014-5423 |
| Document Number | 0151970077 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 15197/77 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2041 |
Source: Harford County assessment roll, as of August 25, 2026
| 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 | $4,834.00 (+9.49%) Homeowner's exemption | $443,600 (+13.76%) | $457,600 (+4.81%) Land $107,800 Building $349,800 |
| 2025 | $4,415.00 (+10.51%) Homeowner's exemption | ||
| 2023 | $389,933 | $436,600 Land $107,800 Building $328,800 | |
| 2022 | $3,995.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2004 · 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.
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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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