399 E Ring Factory Rd, Bel Air, MD 21014 Property Records

Harford County property record for 399 E Ring Factory Rd, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,780 sqft · built 1989
Lot Size	0.465 acres (20,255 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Sep 2013)
Tax Bill	$5,627 (2026)
Deeds & Mortgages	Apr 2023 Line of Credit Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-250725`

Property Details

APN / Parcel Number

Primary APN	`03-250725`
Alternative APNs	`3250725` `250725`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,780 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,255 sqft (0.465 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	250725
Street Address	399 E RING FACTORY RD
City	BEL AIR
State	MD
Zip	21014-5586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 160 .465 AC 399 E RING FACTORY ROAD GLENWOOD GARTH P 63/87
Legal Subdivision	GLENWOOD GARTH
Legal Lot Number	160
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1001
Census Tract	303602

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	399 E RING FACTORY RD, BEL AIR, MD 21014-5586
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2013 · Amount on Record
Deed Sale	Sep 23, 2013 · Amount on Record
Prior Sale	May 6, 2008 · Amount on Record
Deed Book / Page	10495 / 184
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	399 E RING FACTORY RD, BEL AIR, MD 21014-5586
Transaction Type	Mortgage
Record Updated	May 3, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	399 E RING FACTORY RD, BEL AIR, MD 21014-5586

Mortgage

Document Number	0158850415
Date	Apr 25, 2023
Book Page	15885/415

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 6, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	399 E RING FACTORY RD, BEL AIR, MD 21014-5586
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	FIRST TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0136810495
Date	Feb 10, 2020
Book Page	13681/0495

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

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	$5,627.00 (+7.43%)	$516,333 (+12.08%)	$547,800 (+9.43%) Land $115,100 Building $432,700
2025	$5,238.00 (+9.06%)
2023		$460,667	$500,600 Land $115,100 Building $385,500
2022	$4,803.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1983–2007)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2007 · 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.

Wildfire

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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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