5 Stuart Ter, Bel Air, MD 21014 Property Records

Harford County property record for 5 Stuart Ter, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,497 sqft · built 1969
Lot Size	1.73 acres (75,359 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Jul 2014)
Tax Bill	$5,734 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-137309`

Property Details

APN / Parcel Number

Primary APN	`03-137309`
Alternative APNs	`3137309` `137309`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,497 sqft Total Area
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	75,359 sqft (1.73 acres)
Porch	Porch
Porch Area	204 sqft
Deck Area	204 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	137309
Street Address	5 STUART TER
City	BEL AIR
State	MD
Zip	21014-5423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	P O LOT 17 1.733 AC 5 STUART TERRACE HOMELAND EXT
Legal Subdivision	HOMELAND EXT
Legal Lot Number	PO 17
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2003
Census Tract	303602

Owner

Source: Harford County records, as of August 18, 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	5 STUART TER, BEL AIR, MD 21014-5423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2014 · Amount on Record
Deed Sale	Jul 18, 2014 · Amount on Record
Prior Sale	Oct 6, 1997 · Amount on Record
Deed Book / Page	10827 / 408
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	5 STUART TER, BEL AIR, MD 21014-5423
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	MID ATLANTIC TITLE, MID ATLANTIC TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0144810490
Date	Feb 10, 2021
Book Page	14481/490

Lender

Name	PEOPLES BANK
Type	Bank
Address	YORK, PA 17405

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

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		$570,867 (+15.22%)	$599,000 (+7.58%) Land $114,300 Building $484,700
2025	$5,734.00 (+13.21%)
2023		$495,467	$556,800 Land $114,300 Building $442,500
2022	$5,065.00

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 AE, 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 97% of the US · lower than 94% 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 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 (outdoors only) and 4G LTE

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