403 Train Ct, #4, Bel Air, MD 21014 Property Records

Harford County property record for 403 Train Ct, #4, Bel Air, MD 21014

Property Summary

Property Type	Condominium
Details	2.5 ba · 1,336 sqft · built 2012
Lot Size	2.29 acres (1 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Aug 2026)
Tax Bill	$2,687 (2026)
Deeds & Mortgages	Aug 2026 Sale Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-397057`

Property Details

APN / Parcel Number

Primary APN	`03-397057`
Alternative APN	`397057`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,336 sqft Total Area
Basement Area	200 sqft
Finished Basement	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Condo/Apartment
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1 sqft
Garage Type	Basement
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Deck Area	130 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	397057
Street Address	403 TRAIN CT, 4
City	BEL AIR
State	MD
Zip	21014-3178
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R3
Legal Description	CONDO TOWNHOUSE 20 403 TRAIN COURT HICKORY VILLAGE 19/68
Legal Subdivision	HICKORY VILLAGE CONDOMINIUM ASSOCIATION
Legal Lot Number	20
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1004
Census Tract	303803

Owner

403 Train Ct, #4 is owned and occupied by two individuals who bought it in August 2026.

Source: Harford County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1711 PINE FOREST CT, BEL AIR, MD 21014-5661
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Nov 12, 2020	Deed, Transfer · Conventional Mortgage HAR CO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2026 · Amount on File
Deed Sale	Aug 24, 2026 · Amount on File
Prior Sale	Nov 12, 2020 · Amount on File
Deed Book / Page	17260 / 437
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 24, 2026
Property Address	403 TRAIN CT, 4, BEL AIR, MD 21014-3178
Document Number	1726000437
Book / Page	17260 / 437
Instrument Date	Aug 12, 2026
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$368,650.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1711 PINE FOREST CT, BEL AIR, MD 21014-5661

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Nov 12, 2020
Property Address	403 TRAIN CT # 4, 4, BEL AIR, MD 21014-3178
Document Number	0142540385
Book / Page	14254 / 385
Map Reference	MB 19 PG 22&23
Instrument Date	Oct 19, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	KEY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	403 TRAIN CT # 4, 4, BEL AIR, MD 21014-3178

Mortgage

Document Number	0014254394
Date	Nov 12, 2020
Instrument	14254/394

Lender

Name	HAR CO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 403 Train Ct, #4 was $2,687 with a homeowner's exemption, up 11.5% from the year before.

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Municipality	Bel Air Town
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,687.00 (+11.49%) Homeowner's exemption	$281,867 (+4.47%)	$306,000 (+13.42%) Land $70,000 Building $236,000
2025	$2,410.00 Homeowner's exemption	$269,800 Land $70,000 Building $199,800	$269,800 Land $70,000 Building $199,800
2023		$242,533	$269,800 Land $70,000 Building $199,800
2022	$2,182.00

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

Flood

FEMA maps place 403 Train Ct, #4 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1978–2003)
Most Recent Claim	Jun 2003 · rainfall accumulation

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 403 Train Ct, #4 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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 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	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 415 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T.

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