Harford County property record for 707 Clara Ter, Bel Air, MD 21014
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,040 sqft · built 1987 |
| Lot Size | 0.223 acres (9,713 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Jan 2019) |
| Tax Bill | $3,901 (2026) |
| Deeds & Mortgages | Dec 2018 Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-212777 |
| Primary APN | 03-212777 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,040 sqft Total Area |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,713 sqft (0.223 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 212777 |
|---|---|
| Street Address | 707 CLARA TER |
| City | BEL AIR |
| State | MD |
| Zip | 21014-2766 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 157 .223 AC 707 CLARA TERRACE MAJOR'S CHOICE PT 55/112 |
| Legal Subdivision | PLAT 1 MAJOR CHOICE |
| Legal Lot Number | 157 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 303803 |
707 Clara Ter is owned and occupied by two individuals who bought it in January 2019.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 707 CLARA TER, BEL AIR, MD 21014-2766 |
| 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.
| Date | Document |
|---|---|
| Dec 18, 2018 | Deed of Trust, Mortgage · Commercial Mortgage THE COLUMBIA BANK |
| Sep 17, 2019 | Deed of Trust, Mortgage · Conventional with PMI COASTAL LNDG GRP |
| Jan 14, 2019 | Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2019 · Amount on File |
| Deed Sale | Jan 14, 2019 · Amount on File |
| Prior Sale | Jul 19, 1999 · Amount on File |
| Deed Book / Page | 13122 / 472 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 707 CLARA TER, BEL AIR, MD 21014-2766 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0130950098 |
|---|---|
| Date | Dec 18, 2018 |
| Book Page | 13095/0098 |
| Name | THE COLUMBIA BANK |
|---|---|
| Type | Bank |
| Address | LUTHERVILLE TIMONIUM, MD 21093 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 707 CLARA TER, BEL AIR, MD 21014-2766 |
| Document Number | 0134700500 |
| Instrument Date | Sep 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2019 |
| Title Company | ENDEAVOR TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 707 CLARA TER BEL AIR MD 210142766, BEL AIR, MD 21014-2766 |
| Document Number | 0134700500 |
|---|---|
| Date | Oct 1, 2019 |
| Book Page | 013470/000500 |
| Name | COASTAL LNDG GRP |
|---|---|
| Address | BALTIMORE, MD 21224 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 30, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jan 14, 2019 |
| Property Address | 707 CLARA TER, BEL AIR, MD 21014-2766 |
| Document Number | 0131220472 |
| Book / Page | 13122 / 0472 |
| Map Reference | MB CGH55 FO 112 |
| Instrument Date | Jan 3, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | ENDEAVOR TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,725.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 707 CLARA TER, BEL AIR, MD 21014-2766 |
| Document Number | 0013122477 |
|---|---|
| Date | Jan 14, 2019 |
| Instrument | 13122/477 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
The 2026 property tax bill for 707 Clara Ter was $3,901 with a homeowner's exemption, up 11.3% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Municipality | Bel Air Town |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,901.00 (+11.33%) Homeowner's exemption | $409,267 | $444,200 Land $112,300 Building $331,900 |
| 2025 | $3,504.00 Homeowner's exemption | ||
| 2023 | $352,533 | $391,800 Land $112,300 Building $279,500 | |
| 2022 | $3,173.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 707 Clara Ter in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.
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 | 4 in force |
| Nearby Flood Claims | 1 (2025) |
| Most Recent Claim | Jul 2025 |
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 risk around 707 Clara Ter 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 98% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MARYLAND AMERICAN WATER COMPANY private · serves 13,200 people · EPA ID MD0120003 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 263 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures