448 E Broadway, Bel Air, MD 21014 Property Records

Harford County property record for 448 E Broadway, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,530 sqft · built 1971
Lot Size	0.201 acres (8,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Jun 2017)
Tax Bill	$2,896 (2026)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-013898`

Property Details

APN / Parcel Number

Primary APN	`03-013898`
Alternative APNs	`3013898` `013898`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,530 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,750 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Basement
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	66 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	013898
Street Address	448 E BROADWAY
City	BEL AIR
State	MD
Zip	21014-3204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 20 BK C 8750 SF 448 E BROADWAY HARFORD COMMONS P 23/22
Legal Block	C
Legal Lot Number	20
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	4
Census Block	4004
Census Tract	303803

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	448 E BROADWAY, BEL AIR, MD 21014-3204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2017 · Amount on Record
Deed Sale	Jun 22, 2017 · Amount on Record
Deed Document Number	201712397-0442
Deed Book / Page	12397 / 442
Record Updated	Oct 29, 2026

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 22, 2017
Property Address	448 E BROADWAY, BEL AIR, MD 21014-3204
Document Number	0123970442
Book / Page	012397 / 000442
Instrument Date	Jun 13, 2017
Transaction Type	Transfer
Record Updated	Jun 27, 2017
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	448 E BROADWAY BEL AIR MD 210143204, BEL AIR, MD 21014-3204

Mortgage

Document Number	123970448
Date	Jun 22, 2017
Book Page	012397/000448

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 21, 2032

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Municipality	Bel Air Town
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,896.00 (+9.24%) Homeowner's exemption	$303,800 (+13.87%)	$317,800 (+7.08%) Land $83,300 Building $234,500
2025	$2,651.00 (+93.08%) Homeowner's exemption
2023		$266,800	$296,800 Land $83,300 Building $213,500
2022	$1,373.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force

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	MARYLAND AMERICAN WATER COMPANY private · serves 13,200 people · EPA ID MD0120003
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	2 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	None 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 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880