5 E Howard St, #C, Bel Air, MD 21014 Property Records

Harford County property record for 5 E Howard St, #C, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,520 sqft · built 2004
Lot Size	0.27 acres (11,751 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Mar 2020)
Tax Bill	$4,364 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-323935`

Property Details

APN / Parcel Number

Primary APN	`03-323935`
Alternative APNs	`3323935` `323935`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,520 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,751 sqft (0.27 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	248 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	323935
Street Address	5C E HOWARD ST
City	BEL AIR
State	MD
Zip	21014-2847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 10 11751 SF 5C E HOWARD STREET JA & JR INC PT 92/63
Legal Subdivision	JA AND J R INC
Legal Lot Number	10
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1014
Census Tract	303803

Owner

5 E Howard St, #C is owned and occupied by two individuals who bought it in March 2020.

Source: Harford County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5 E HOWARD ST, C, BEL AIR, MD 21014-2847
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Mar 5, 2020	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
May 25, 2017	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2020 · Amount on File
Deed Sale	Mar 5, 2020 · Amount on File
Prior Sale	May 25, 2017 · Amount on File
Deed Book / Page	13726 / 28
Prior Transfer Date	Jan 4, 2011
Prior Transfer Doc	0091230305
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	5 E HOWARD ST # C, C, BEL AIR, MD 21014-2847
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	GPN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151900429
Date	Nov 18, 2021
Book Page	15190/429

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Mar 5, 2020
Property Address	5 E HOWARD ST # C, C, BEL AIR, MD 21014-2847
Document Number	0137260028
Book / Page	13726 / 28
Map Reference	MB HDC92 FO 63
Instrument Date	Feb 28, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	BROADVIEW TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	5C E HOWARD ST, BEL AIR, MD 21014-2847

Mortgage

Document Number	0001372635
Date	Mar 5, 2020
Instrument	13726/35

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	May 25, 2017
Property Address	5 E HOWARD ST # C, C, BEL AIR, MD 21014-2847
Document Number	0123610130
Book / Page	12361 / 0130
Map Reference	MB HDC92 FO63
Instrument Date	May 12, 2017
Instrument	12361-0130
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	KEY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,195.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5C E HOWARD ST, BEL AIR, MD 21014-2847

Mortgage

Document Number	123610138
Date	May 25, 2017
Instrument	12361-0138

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 5 E Howard St, #C was $4,364 with a homeowner's exemption, up 17.6% from the year before.

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	$4,364.00 (+17.6%) Homeowner's exemption	$457,800	$487,800 Land $90,700 Building $397,100
2025	$3,711.00 Homeowner's exemption
2023		$381,200	$442,800 Land $90,700 Building $352,100
2022	$3,340.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5 E Howard St, #C in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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	1 in force
Nearby Flood Claims	2 (1978–2003)
Most Recent Claim	Jun 2003 · rainfall accumulation

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

Wildfire risk around 5 E Howard St, #C 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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 320 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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