604 Prospect Mill Rd, Bel Air, MD 21015 Property Records

Harford County property record for 604 Prospect Mill Rd, Bel Air, MD 21015

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1954
Lot Size	0.68 acres (29,620 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Jul 2026)
Tax Bill	$2,066 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-042707`

Property Details

APN / Parcel Number

Primary APN	`03-042707`
Alternative APNs	`3042707` `042707`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Total Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	29,620 sqft (0.68 acres)
Lot Dimensions	170 ft deep x 170 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	042707
Street Address	604 PROSPECT MILL RD
City	BEL AIR
State	MD
Zip	21015-1542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 170X170 OR 0.68 604 PROSPECT MILL ROAD N E OF FOUNTAIN GREEN
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	4
Census Block	4001
Census Tract	303101

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	604 PROSPECT MILL RD, BEL AIR, MD 21015-1542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Deed Book / Page	17230 / 364
Record Updated	Sep 20, 2026

July 2026: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	HARFORD MD
Recording Date	Jul 31, 2026
Property Address	604 PROSPECT MILL RD, BEL AIR, MD 21015-1542
Document Number	1723000364
Book / Page	17230 / 364
Instrument Date	Jul 28, 2026
Transaction Type	Transfer
Record Updated	Aug 10, 2026
Title Company	LEGACY SETTLEMENT SERVICES LLC, LEGACY SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318,150.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 PROSPECT MILL RD, BEL AIR, MD 21015-1542

Mortgage

Document Number	1723000371,
Date	Jul 31, 2026
Book Page	17230/371

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

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		$193,500 (+1.52%)	$199,300 (+4.56%) Land $95,300 Building $104,000
2025	$2,066.00 (+7.44%) Homeowner's exemption	$190,600 (+7.36%) Land $95,300 Building $95,300	$190,600 (-) Land $95,300 Building $95,300
2023		$177,533	$190,600 Land $95,300 Building $95,300
2022	$1,923.00

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 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2018 · other causes

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20