4 Stuart Ter, Bel Air, MD 21014 Property Records

Harford County property record for 4 Stuart Ter, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,558 sqft · built 1977
Lot Size	0.593 acres (25,842 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Sep 2025)
Tax Bill	$4,320 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-128741`

Property Details

APN / Parcel Number

Primary APN	`03-128741`
Alternative APNs	`3128741` `128741`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,558 sqft Total Area
Basement Area	1,165 sqft
Finished Basement	1,165 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	25,842 sqft (0.593 acres)
Lot Dimensions	219 ft deep x 131 ft wide
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	54 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	128741
Street Address	4 STUART TER
City	BEL AIR
State	MD
Zip	21014-5424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 11 161/75X219 4 STUART TERRACE WORTHINGTON HGTS P 7/42
Legal Subdivision	WORTHINGTON HEIGHTS
Legal Lot Number	4,11
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2011
Census Tract	303602

Owner

4 Stuart Ter is owned and occupied by two individuals who bought it in September 2025.

Source: Harford County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4 STUART TER, BEL AIR, MD 21014-5424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 22, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2025 · Amount on File
Deed Sale	Sep 2, 2025 · Amount on File
Prior Sale	Apr 15, 2009 · Amount on File
Deed Book / Page	16788 / 499
Prior Transfer Date	Jul 18, 2020
Prior Transfer Doc	0141290271
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	4 STUART TER, BEL AIR, MD 21014-5424
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149850226
Date	Aug 26, 2021
Book Page	14985/226

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARFORD MD
Recording Date	Sep 22, 2020
Property Address	4 STUART TER, BEL AIR, MD 21014-5424
Document Number	0141290271
Book / Page	014129 / 000271
Instrument Date	Jul 18, 2020
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 STUART TER BEL AIR MD 210145424, BEL AIR, MD 21014-5424

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	4 STUART TER, BEL AIR, MD 21014-5424
Document Number	0136680273
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Feb 20, 2020
Title Company	ARMOUR SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 STUART TER BEL AIR MD 210145424, BEL AIR, MD 21014-5424

Mortgage

Document Number	0136680273
Date	Jan 30, 2020
Book Page	013668/000273

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 29, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 4 Stuart Ter was $4,320, up 20.6% from the year before.

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	$4,320.00 (+20.6%)	$396,433 (+14.61%)	$497,500 (+43.83%) Land $97,900 Building $399,600
2025	$3,582.00	$345,900 Land $97,900 Building $248,000	$345,900 Land $97,900 Building $248,000
2023		$311,433	$345,900 Land $97,900 Building $248,000
2022	$3,206.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4 Stuart Ter in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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	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.

Wildfire

Wildfire risk around 4 Stuart Ter is low, with less than 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 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	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

Violations Reported to EPA

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.

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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