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

Harford County property record for 400 E Ring Factory Rd, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,752 sqft · built 1988
Lot Size	0.497 acres (21,649 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Aug 2011)
Tax Bill	$5,885 (2026)
Deeds & Mortgages	Apr 2021 Line of Credit Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-233081`

Property Details

APN / Parcel Number

Primary APN	`03-233081`
Alternative APNs	`3233081` `233081`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,752 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	21,649 sqft (0.497 acres)
Garage Type	Mixed
Garage Area	1,448 sqft
Parking Spaces	5 Parking Spaces
Deck Area	210 sqft
Patio Area	772 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	233081
Street Address	400 E RING FACTORY RD
City	BEL AIR
State	MD
Zip	21014-5573
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 120 .497 AC 400 E RING FACTORY ROAD GLENWOOD GARTH PT 59/104
Legal Subdivision	GLENWOOD GARTH
Legal Lot Number	120
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2000
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	400 E RING FACTORY RD, BEL AIR, MD 21014-5573
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Oct 30, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2011 · Amount on Record
Deed Sale	Aug 15, 2011 · Amount on Record
Prior Sale	Oct 12, 2010
Deed Book / Page	9286 / 157
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	400 E RING FACTORY RD, BEL AIR, MD 21014-5573
Transaction Type	Mortgage
Record Updated	May 24, 2021
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147020023
Date	Apr 27, 2021
Book Page	14702/23

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	ROCKVILLE, MD 20850

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	262 Months
Due	Feb 25, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	400 E RING FACTORY RD, BEL AIR, MD 21014-5573
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0125750153
Date	Oct 30, 2017
Book Page	12575/0153
Instrument	12575-0153

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 16, 2047

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	$5,885.00 (+8.96%)	$540,033 (+3.08%)	$572,300 (+9.24%) Land $115,800 Building $456,500
2025	$5,401.00 (+12.87%)	$523,900 (+12.1%) Land $115,800 Building $408,100	$523,900 (-) Land $115,800 Building $408,100
2023		$467,367	$523,900 Land $115,800 Building $408,100
2022	$4,785.00

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	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

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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