638 Prestwick Trl, Bel Air, MD 21014 Property Records

Harford County property record for 638 Prestwick Trl, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,480 sqft · built 1999
Lot Size	0.282 acres (12,283 sqft)
Owner	Individual Name on File
Last Sale	$283,600 (Oct 2002)
Tax Bill	$5,252 (2026)
Deeds & Mortgages	Jan 2024 Second Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-311945`

Property Details

APN / Parcel Number

Primary APN	`03-311945`
Alternative APNs	`3311945` `311945`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,480 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,283 sqft (0.282 acres)
Garage Type	Mixed
Garage Area	200 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	311945
Street Address	638 PRESTWICK TRL
City	BEL AIR
State	MD
Zip	21014-2858
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 54 12283 SF 638 PRESTWICK TRAIL TRAILS GLENEAGLES P 89/7
Legal Subdivision	TRAILS GLENEAGLES
Legal Lot Number	54
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2005
Census Tract	303801

Owner

638 Prestwick Trl is owned and occupied by an individual who bought it in October 2002.

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	Individual Name on File
Mailing Address	638 PRESTWICK TRL, BEL AIR, MD 21014-2858
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC
Aug 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2002 · Amount on File
Deed Sale	Oct 31, 2002 · Amount on File
Prior Sale	Nov 10, 1999 · Amount on File
Deed Document Number	2002944
Deed Book / Page	4203 / 712
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	638 PRESTWICK TRL, BEL AIR, MD 21014-2858
Transaction Type	Mortgage
Record Updated	Jan 31, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0161540259
Date	Jan 23, 2024
Book Page	16154/259

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	638 PRESTWICK TRL, BEL AIR, MD 21014-2858
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149400366
Date	Aug 5, 2021
Book Page	14940/366

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 638 Prestwick Trl was $5,252 with a homeowner's exemption, up 10.2% 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	$5,252.00 (+10.24%) Homeowner's exemption	$481,967	$507,900 Land $120,700 Building $387,200
2025	$4,764.00 Homeowner's exemption
2023		$420,133	$469,000 Land $120,700 Building $348,300
2022	$4,312.00

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

Flood

FEMA maps place 638 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 638 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	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 214 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

May also be available: T-Mobile.

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