397 E Wheel Rd, Bel Air, MD 21015 Property Records

Harford County property record for 397 E Wheel Rd, Bel Air, MD 21015

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,198 sqft · built 1992
Lot Size	0.461 acres (20,068 sqft)
Owner	Individual Name on Record
Last Sale	$49,000 (May 1992)
Tax Bill	$5,888 (2026)
Deeds & Mortgages	Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-246763`

Property Details

APN / Parcel Number

Primary APN	`01-246763`
Alternative APNs	`1246763` `246763`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,198 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,068 sqft (0.461 acres)
Garage Type	Mixed
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	246763
Street Address	397 E WHEEL RD
City	BEL AIR
State	MD
Zip	21015-6116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 1 20,068 SF 397 EAST WHEEL ROAD LD F TYNG PT 72/53
Legal Subdivision	LD TYNG F
Legal Lot Number	1
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2000
Census Tract	301108

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	Individual Name on Record
Mailing Address	397 E WHEEL RD, BEL AIR, MD 21015-6116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 1992 · Amount on Record
Deed Sale	May 5, 1992 · Amount on Record
Deed Book / Page	1814 / 1033
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	397 E WHEEL RD, BEL AIR, MD 21015-6116
Document Number	0131920223
Instrument Date	Feb 20, 2019
Transaction Type	Mortgage
Record Updated	Mar 28, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 E WHEEL RD BEL AIR MD 210156116, BEL AIR, MD 21015-6116

Mortgage

Document Number	0131920223
Date	Mar 19, 2019
Book Page	013192/000223

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2049

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	$5,888.00 (+14.71%)	$540,300 (+23.81%) Land $119,600 Building $420,700	$540,300 (+23.81%) Land $119,600 Building $420,700
2025	$5,133.00 (+9.45%)
2023		$436,400 Land $119,600 Building $316,800	$436,400 Land $119,600 Building $316,800
2022	$4,690.00

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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