511 Vale Rd, Bel Air, MD 21014 Property Records

Harford County property record for 511 Vale Rd, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,682 sqft · built 1989
Lot Size	0.461 acres (20,081 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Oct 2015)
Tax Bill	$3,904 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-248011`

Property Details

APN / Parcel Number

Primary APN	`03-248011`
Alternative APNs	`3248011` `248011`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,682 sqft Total Area
Basement Area	540 sqft
Finished Basement	540 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,081 sqft (0.461 acres)
Garage Type	Mixed
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	240 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	248011
Street Address	511 VALE RD
City	BEL AIR
State	MD
Zip	21014-2209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 1 .461 AC 511 VALE ROAD EST EDISON WALLIS P62/99
Legal Subdivision	EDISON WALLIS ESTATE
Legal Lot Number	1
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2001
Census Tract	303502

Owner

511 Vale Rd is owned and occupied by two individuals who bought it in October 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	511 VALE RD, BEL AIR, MD 21014-2209
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2015 · Amount on File
Deed Sale	Oct 30, 2015 · Amount on File
Prior Sale	Jun 29, 2015 · Amount on File
Deed Book / Page	11514 / 453
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	511 VALE RD, BEL AIR, MD 21014-2209
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0159700001
Date	Jul 17, 2023
Book Page	15970/1

Lender

Name	HAR CO CU
Type	Credit Union
Address	BEL AIR, MD 21014

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 16, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 511 Vale Rd was $3,904, up 8.3% from the year before.

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	$3,904.00 (+8.29%)	$358,200	$378,600 Land $93,500 Building $285,100
2025	$3,605.00
2023		$313,667	$348,000 Land $93,500 Building $254,500
2022	$3,231.00

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

Flood

FEMA maps place 511 Vale Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2006 · 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

Wildfire risk around 511 Vale 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	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	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 453 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
AT&T Fixed Wireless	100 / 20