646 Prestwick Trl, Bel Air, MD 21014 Property Records

Harford County property record for 646 Prestwick Trl, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,232 sqft · built 1999
Lot Size	0.318 acres (13,852 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Feb 2024)
Tax Bill	$5,224 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Oct 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-309827`

Property Details

APN / Parcel Number

Primary APN	`03-309827`
Alternative APNs	`3309827` `309827`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,232 sqft Total Area
Basement Area	725 sqft
Finished Basement	725 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,852 sqft (0.318 acres)
Garage Type	Mixed
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	309827
Street Address	646 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 58 13852 SF 646 PRESTWICK TRAIL TRAILS GLENEAGLES P 89/6
Legal Subdivision	TRAILS GLENEALGES 4
Legal Lot Number	58
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2005
Census Tract	303801

Owner

646 Prestwick Trl is owned and occupied by an individual who bought it in February 2024.

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	646 PRESTWICK TRL, BEL AIR, MD 21014-2858
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Oct 20, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 29, 2024 · Amount on File
Deed Sale	Feb 29, 2024 · Amount on File
Prior Sale	Oct 27, 1999 · Amount on File
Deed Book / Page	16188 / 287
Prior Transfer Date	Jan 11, 2013
Prior Transfer Doc	0101330082
Record Updated	Oct 29, 2026

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Feb 29, 2024
Property Address	646 PRESTWICK TRL, BEL AIR, MD 21014-2858
Document Number	0161880287
Book / Page	16188 / 287
Map Reference	MB 89 FO 6
Instrument Date	Feb 22, 2024
Transaction Type	Transfer
Record Updated	Mar 13, 2024
Title Company	ELITE TEAM TITLE LLC, ELITE HOME TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 PRESTWICK TRL, BEL AIR, MD 21014-2858

Mortgage

Document Number	0161880295
Date	Feb 29, 2024
Instrument	16188-0295

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	646 PRESTWICK TRL, BEL AIR, MD 21014-2858
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0125650091
Date	Oct 20, 2017
Book Page	12565/0091
Instrument	12565-0091

Lender

Name	PNC BANK NA
Type	Bank
Address	00000

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	646 PRESTWICK TRL, BEL AIR, MD 21014-2858
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0145590089
Date	Mar 9, 2021
Book Page	14559/89

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	646 PRESTWICK TRL, BEL AIR, MD 21014-2858
Document Number	0136380318
Instrument Date	Dec 4, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2020
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	66 PRETWICTRAIL BEL AIR MD 21014, BEL AIR, MD 21014

Mortgage

Document Number	0136380318
Date	Jan 13, 2020
Book Page	013638/000318

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 12, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 646 Prestwick Trl was $5,224, up 14.8% 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	$5,224.00 (+14.84%)	$479,333 (+8.99%)	$558,400 (+26.97%) Land $121,000 Building $437,400
2025	$4,549.00	$439,800 Land $121,000 Building $318,800	$439,800 Land $121,000 Building $318,800
2023		$395,067	$439,800 Land $121,000 Building $318,800
2022	$4,062.00

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

Flood

FEMA maps place 646 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 646 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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