631 Prestwick Trl, Bel Air, MD 21014 Property Records

Harford County property record for 631 Prestwick Trl, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,578 sqft · built 2000
Lot Size	0.332 acres (14,461 sqft)
Owner	2 Individual Names on File
Last Sale	$709,900 (Jun 2026)
Tax Bill	$6,255 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-312038`

Property Details

APN / Parcel Number

Primary APN	`03-312038`
Alternative APNs	`3312038` `312038`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,578 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,461 sqft (0.332 acres)
Garage Type	Mixed
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Deck Area	440 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	312038
Street Address	631 PRESTWICK TRL
City	BEL AIR
State	MD
Zip	21014-2853
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 104 14461 SF 631 PRESTWICK TRAIL TRAILS GLENEAGLES P 89/7
Legal Subdivision	TRAILS GLENEAGLES
Legal Lot Number	104
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2006
Census Tract	303801

Owner

631 Prestwick Trl is owned by two individuals who bought it in June 2026.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	641 PRESTWICK TRL, BEL AIR, MD 21014-2857
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2026 · Amount on File
Deed Sale	Jun 10, 2026 · Amount on File
Prior Sale	Mar 23, 2000 · Amount on File
Deed Book / Page	17161 / 274
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 10, 2026
Property Address	631 PRESTWICK TRL, BEL AIR, MD 21014-2853
Document Number	1716000274
Book / Page	17161 / 274
Instrument Date	Jun 2, 2026
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	LEGACY SETTLEMENTS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$716,999.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	1716000281,
Date	Jun 10, 2026
Book Page	17161/281

Lender

Name	MUTUAL/OMAHA MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 631 Prestwick Trl was $6,255, up 11.5% 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	$6,255.00 (+11.46%)	$573,967 (+2.92%)	$606,500 (+8.75%) Land $121,100 Building $485,400
2025	$5,612.00 Homeowner's exemption	$557,700 Land $121,100 Building $436,600	$557,700 Land $121,100 Building $436,600
2023		$496,433	$557,700 Land $121,100 Building $436,600
2022	$5,076.00

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

Flood

FEMA maps place 631 Prestwick Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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	1 (1978)
Most Recent Claim	Jan 1978 · 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 631 Prestwick Trl 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	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	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 60 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
T-Mobile Fixed Wireless	100 / 20