Harford County property record for 412 E Ring Factory Rd, Bel Air, MD 21014
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,194 sqft · built 1991 |
| Lot Size | 0.273 acres (11,891 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $349,900 (Jan 2017) |
| Tax Bill | $4,891 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-233162 |
| Primary APN | 03-233162 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,194 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,891 sqft (0.273 acres) |
| Garage Type | Mixed |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 78 sqft |
| Deck Area | 396 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 233162 |
|---|---|
| Street Address | 412 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 126 .273 AC 412 E RING FACTORY ROAD GLENWOOD GARTH PT 59/104 |
| Legal Subdivision | GLENWOOD GARTH |
| Legal Lot Number | 126 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 303602 |
412 E Ring Factory Rd is owned and occupied by two individuals who bought it in January 2017.
Source: Harford County records, as of August 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 412 E RING FACTORY RD, BEL AIR, MD 21014-5573 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2021 | Deed of Trust, Mortgage · VA Mortgage LOANUNITED.COM LLC |
| Jan 26, 2017 | Special Warranty Deed, Transfer · VA Mortgage BNC NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2017 · Amount on File |
| Deed Sale | Jan 26, 2017 · Amount on File |
| Prior Sale | Aug 15, 1991 · Amount on File |
| Deed Document Number | 201712202-0232 |
| Deed Book / Page | 12202 / 232 |
| Prior Transfer Date | Nov 7, 2014 |
| Prior Transfer Doc | 0110110081 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 412 E RING FACTORY RD, BEL AIR, MD 21014-5573 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2021 |
| Title Company | ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0146750043 |
|---|---|
| Date | Apr 19, 2021 |
| Book Page | 14675/43 |
| Name | LOANUNITED.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | NORCROSS, GA 30093 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jan 26, 2017 |
| Property Address | 412 E RING FACTORY RD, BEL AIR, MD 21014-5573 |
| Document Number | 0122020232 |
| Book / Page | 12202 / 0232 |
| Map Reference | MB59 PG104 |
| Instrument Date | Jan 4, 2017 |
| Instrument | 12202-0232 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | TITLE FROWARD |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,073.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 412 E RING FACTORY RD, BEL AIR, MD 21014-5573 |
| Document Number | 122020241 |
|---|---|
| Date | Jan 26, 2017 |
| Instrument | 12202-0241 |
| Name | BNC NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2047 |
The 2026 property tax bill for 412 E Ring Factory Rd was $4,891, up 7.3% 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 | $4,891.00 (+7.26%) | $448,800 (+3.08%) | $475,600 (+9.23%) Land $110,900 Building $364,700 |
| 2025 | $4,560.00 | $435,400 Land $110,900 Building $324,500 | $435,400 Land $110,900 Building $324,500 |
| 2023 | $401,533 | $435,400 Land $110,900 Building $324,500 | |
| 2022 | $4,191.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 412 E Ring Factory Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.
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 risk around 412 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 |
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