422 E Ring Factory Rd, Bel Air, MD 21014 Property Records

Harford County property record for 422 E Ring Factory Rd, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,206 sqft · built 1991
Lot Size	0.294 acres (12,806 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (Sep 2023)
Tax Bill	$5,499 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-233049`

Property Details

APN / Parcel Number

Primary APN	`03-233049`
Alternative APNs	`3233049` `233049`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,206 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,806 sqft (0.294 acres)
Garage Type	Mixed
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	78 sqft
Deck Area	266 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	233049
Street Address	422 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 158 .294 AC 422 E RING FACTORY ROAD GLENWOOD GARTH PT 59/103
Legal Subdivision	GLENWOOD GARTH
Legal Lot Number	158
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2010
Census Tract	303602

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	422 E RING FACTORY RD, BEL AIR, MD 21014-5573
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 5, 2023	Deed, Transfer · Conventional Mortgage US MUTUAL HOME LOANS INC
May 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage WESBANCO BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2023 · Amount on Record
Deed Sale	Sep 5, 2023 · Amount on Record
Prior Sale	Sep 9, 2015 · Amount on Record
Deed Book / Page	16022 / 145
Prior Transfer Date	Jan 27, 2015
Prior Transfer Doc	0116690114
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	422 E RING FACTORY RD, BEL AIR, MD 21014-5573
Transaction Type	Mortgage
Record Updated	Mar 27, 2026
Title Company	ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 E RING FACTORY RD, BEL AIR, MD 21014-5573

Mortgage

Document Number	0170460348
Date	Mar 18, 2026
Book Page	17046/348

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	SOFR Average 30-Day
Max Rate	10.8%

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Sep 5, 2023
Property Address	422 E RING FACTORY RD, BEL AIR, MD 21014-5573
Document Number	0160220145
Book / Page	16022 / 145
Map Reference	MB 59 FO 103
Instrument Date	Aug 28, 2023
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	422 E RING FACTORY RD, BEL AIR, MD 21014-5573

Mortgage

Document Number	0160220152
Date	Sep 5, 2023
Instrument	16022-0152

Lender

Name	US MUTUAL HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	422 E RING FACTORY RD, BEL AIR, MD 21014-5573
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138660203
Date	May 21, 2020
Book Page	13866/203

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	WHEELING, WV 26003

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	$5,499.00 (+9.24%)	$504,567 (+4.86%)	$551,300 (+14.57%) Land $111,400 Building $439,900
2025	$5,034.00 (+9.1%)	$481,200 (+8.7%) Land $111,400 Building $369,800	$481,200 (-) Land $111,400 Building $369,800
2023		$442,667	$481,200 Land $111,400 Building $369,800
2022	$4,614.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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	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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G and 4G LTE (outdoors only)

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