Harford County property record for 312 E Wheel Rd, Bel Air, MD 21015
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 826 sqft · built 1940 |
| Lot Size | 0.88 acres (38,332 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Dec 2017) |
| Tax Bill | $2,757 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Dec 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-090003 |
| Primary APN | 01-090003 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 826 sqft Total Area |
| Attic | Attic |
| Attic Area | 300 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 38,332 sqft (0.88 acres) |
| Porch | Slab |
| Porch Area | 120 sqft |
| Deck Area | 568 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 090003 |
|---|---|
| Street Address | 312 E WHEEL RD |
| City | BEL AIR |
| State | MD |
| Zip | 21015-6128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LOT 38332 SF 312 WHEEL ROAD EMMORTON |
| Legal Subdivision | EMMORTON |
| Legal Lot Number | 312 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 301106 |
312 E Wheel Rd is owned and occupied by two individuals who bought it in December 2017.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 312 E WHEEL RD, BEL AIR, MD 21015-6128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 25, 2021 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Dec 7, 2017 | Deed, Transfer · FHA Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Feb 20, 2013 | Deed of Trust, Mortgage · Line of Credit ROSEDALE FED'L S&L ASSN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2017 · Amount on File |
| Deed Sale | Dec 7, 2017 · Amount on File |
| Prior Sale | Nov 17, 2004 |
| Deed Document Number | 201712629-0305 |
| Deed Book / Page | 12629 / 305 |
| Transfer Doc | 0057150559 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 312 E WHEEL RD, BEL AIR, MD 21015-6128 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | FORT SETTLEMENT SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0148620480 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | 14862/480 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Dec 7, 2017 |
| Property Address | 312 E WHEEL RD, BEL AIR, MD 21015-6128 |
| Document Number | 0126290305 |
| Book / Page | 12629 / 0305 |
| Instrument Date | Nov 29, 2017 |
| Instrument | 12629-0305 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | FRONT DOOR TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 312 E WHEEL RD, BEL AIR, MD 21015-6128 |
| Document Number | 0126290311 |
|---|---|
| Date | Dec 7, 2017 |
| Book Page | 12629/0311 |
| Instrument | 12629-0311 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | TOWSON, MD 21204 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 312 E WHEEL RD, BEL AIR, MD 21015-6128 |
| Document Number | 0126650381 |
| Book / Page | 012665 / 000381 |
| Instrument Date | Feb 20, 2013 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2018 |
| Name | Verified Name |
|---|---|
| Address | 312 E WHEEL RD BEL AIR MD 210156128, BEL AIR, MD 21015-6128 |
| Document Number | 0126650381 |
|---|---|
| Date | Jan 9, 2018 |
| Book Page | 012665/000381 |
| Name | ROSEDALE FED'L S&L ASSN |
|---|---|
| Type | Federal Savings Bank |
| Address | BALTIMORE, MD 21286 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 8, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
The 2026 property tax bill for 312 E Wheel Rd was $2,757 with a homeowner's exemption, up 9.9% from the year before.
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 | $2,757.00 (+9.88%) Homeowner's exemption | $247,500 (+4.83%) Land $118,500 Building $129,000 | $247,500 (-) Land $118,500 Building $129,000 |
| 2025 | $2,509.00 Homeowner's exemption | $236,100 | $247,500 Land $118,500 Building $129,000 |
| 2023 | $213,300 Land $114,600 Building $98,700 | $213,300 Land $114,600 Building $98,700 | |
| 2022 | $2,384.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 312 E Wheel Rd in Zone X, an area of minimal flood risk.
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 risk around 312 E Wheel Rd is low, with a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HARFORD COUNTY D.P.W. serves 104,567 people · EPA ID MD0120016 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 113 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
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