Harford County property record for 407 E Ring Factory Rd, Bel Air, MD 21014
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,484 sqft · built 1989 |
| Lot Size | 0.593 acres (25,831 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $445,000 (Apr 2009) |
| Tax Bill | $6,058 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-232999 |
| Primary APN | 03-232999 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,484 sqft Total Area |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 25,831 sqft (0.593 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 256 sqft |
| Deck Area | 817 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 232999 |
|---|---|
| Street Address | 407 E RING FACTORY RD |
| City | BEL AIR |
| State | MD |
| Zip | 21014-5572 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 116 .593 AC 407 E RING FACTORY ROAD GLENWOOD GARTH PT 59/103 |
| Legal Subdivision | GLENWOOD GARTH 03 SEC H |
| Legal Lot Number | 116 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 303602 |
407 E Ring Factory Rd is owned and occupied by two individuals who bought it in April 2009.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 407 E RING FACTORY RD, BEL AIR, MD 21014-5572 |
| 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.
| Date | Document |
|---|---|
| Oct 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC |
| Oct 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Mar 17, 2020 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 13, 2009 · Amount on File |
| Deed Sale | Apr 13, 2009 · Amount on File |
| Prior Sale | Oct 24, 2006 · Amount on File |
| Deed Document Number | 20091143 |
| Deed Book / Page | 8098 / 275 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 407 E RING FACTORY RD, BEL AIR, MD 21014-5572 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0151140476 |
|---|---|
| Date | Oct 20, 2021 |
| Book Page | 15114/476 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 407 E RING FACTORY RD, BEL AIR, MD 21014-5572 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0125460139 |
|---|---|
| Date | Oct 6, 2017 |
| Book Page | 12546/0139 |
| Instrument | 12546-0139 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | SOUTH PORTLAND, ME 04106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 407 E RING FACTORY RD, BEL AIR, MD 21014-5572 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | ACCOMMODATION |
| Name | Verified Name |
|---|
| Document Number | 0137430176 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 13743/176 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 407 E Ring Factory Rd was $6,058, up 7.5% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,058.00 (+7.54%) | $555,900 | $590,300 Land $117,900 Building $472,400 |
| 2025 | $5,633.00 | ||
| 2023 | $495,100 | $538,700 Land $117,900 Building $420,800 | |
| 2022 | $5,158.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 E Ring Factory Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1983.
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 risk around 407 E Ring Factory Rd 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures