409 E Wheel Rd, Bel Air, MD 21015 Property Records

Harford County property record for 409 E Wheel Rd, Bel Air, MD 21015

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,808 sqft · built 1979
Lot Size	4.75 acres (206,910 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (May 2016)
Tax Bill	$5,010 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-050702`

Property Details

APN / Parcel Number

Primary APN	`01-050702`
Alternative APNs	`1050702` `050702`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,808 sqft Total Area
Basement Area	264 sqft
Finished Basement	264 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	206,910 sqft (4.75 acres)
Garage Type	Basement
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Deck Area	496 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	050702
Street Address	409 E WHEEL RD
City	BEL AIR
State	MD
Zip	21015-6117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 1 4.75 AC 409 E WHEEL ROAD 409 EAST WHEEL RD 137/1
Legal Subdivision	EMMORTON
Legal Lot Number	1
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2000
Census Tract	301108

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	409 E WHEEL RD, BEL AIR, MD 21015-6117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Deed, Transfer · Conventional Mortgage NFM INC
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2016 · Amount on Record
Deed Sale	May 4, 2016 · Amount on Record
Prior Sale	Jan 13, 2006 · Amount on Record
Deed Book / Page	11780 / 210
Prior Transfer Date	Apr 7, 2006
Prior Transfer Doc	0067120232
Record Updated	Oct 29, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 27, 2023
Property Address	409 E WHEEL RD, BEL AIR, MD 21015-6117
Document Number	0159520363
Book / Page	15952 / 363
Map Reference	MB 127 PG 73
Instrument Date	Jun 8, 2023
Transaction Type	Transfer
Record Updated	Jul 10, 2023
Title Company	NOT AVAILABLE, NRETS LLC DBA ENDEAVOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,387.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	507 E WHEEL RD, BEL AIR, MD 21015-6118

Mortgage

Document Number	0159520372
Date	Jun 27, 2023
Instrument	15952-0372

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	409 E WHEEL RD, BEL AIR, MD 21015-6117
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	MASTRS TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138730222
Date	May 27, 2020
Book Page	13873/222

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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	$5,010.00 (+11.78%)	$454,200 (+5.63%) Land $158,700 Building $295,500	$454,200 (-) Land $158,700 Building $295,500
2025	$4,482.00 (+7.4%)	$430,000 (+12.68%)	$454,200 (+19.03%) Land $158,700 Building $295,500
2023		$381,600 (+1.11%) Land $158,700 Building $222,900	$381,600 (-) Land $158,700 Building $222,900
2022	$4,173.00 (-3.27%)	$377,400	$381,600 Land $158,700 Building $222,900
2021	$4,314.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 113 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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