Harford County property record for 408 E Ring Factory Rd, Bel Air, MD 21014
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,540 sqft · built 1989 |
| Lot Size | 0.347 acres (15,115 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (Jun 2018) |
| Tax Bill | $5,478 (2026) |
| Deeds & Mortgages | Jan 2024 Line of Credit Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-233146 |
| Primary APN | 03-233146 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,540 sqft Total Area |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 15,115 sqft (0.347 acres) |
| Garage Type | Mixed |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 140 sqft |
| Deck Area | 166 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 233146 |
|---|---|
| Street Address | 408 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 124 .347 AC 408 E RING FACTORY ROAD GLENWOOD GARTH PT 59/104 |
| Legal Subdivision | GLENWOOD GARTH |
| Legal Lot Number | 124 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 303602 |
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 | 408 E RING FACTORY RD, BEL AIR, MD 21014-5573 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 8, 2024 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PEOPLESBANK |
| Jun 13, 2018 | Grant Deed, Transfer · Conventional with PMI PEOPLESBANK/CORDORUS VLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2018 · Amount on Record |
| Deed Sale | Jun 13, 2018 · Amount on Record |
| Prior Sale | Mar 31, 1992 · Amount on Record |
| Deed Book / Page | 12858 / 429 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 408 E RING FACTORY RD, BEL AIR, MD 21014-5573 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 408 E RING FACTORY RD, BEL AIR, MD 21014-5573 |
| Document Number | 0161410217 |
|---|---|
| Date | Jan 8, 2024 |
| Book Page | 16141/217 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97204 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 7, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 408 E RING FACTORY RD, BEL AIR, MD 21014-5573 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | ADVANTAGE TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0136400120 |
|---|---|
| Date | Jan 14, 2020 |
| Book Page | 13640/0120 |
| Name | PEOPLESBANK |
|---|---|
| Address | YORK, PA 17405 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jun 13, 2018 |
| Property Address | 408 E RING FACTORY RD, BEL AIR, MD 21014-5573 |
| Document Number | 0128580429 |
| Book / Page | 012858 / 000429 |
| Instrument Date | Apr 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2018 |
| Title Company | ADVANTAGE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $410.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 408 E RING FACTORY RD BEL AIR MD 210145573, BEL AIR, MD 21014-5573 |
| Document Number | 128580434 |
|---|---|
| Date | Jun 13, 2018 |
| Book Page | 012858/000434 |
| Name | PEOPLESBANK/CORDORUS VLY |
|---|---|
| Type | Bank |
| Address | YORK, PA 17405-2887 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 12, 2048 |
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 | $5,478.00 (+7.41%) | $502,700 (+12.08%) | $533,300 (+9.42%) Land $112,500 Building $420,800 |
| 2025 | $5,100.00 (+9.07%) | ||
| 2023 | $448,533 | $487,400 Land $112,500 Building $374,900 | |
| 2022 | $4,676.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
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