712 Chambers Cir, Bel Air, MD 21014 Property Records

Harford County property record for 712 Chambers Cir, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,834 sqft · built 1988
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on File
Last Sale	$324,900 (May 2016)
Tax Bill	$4,019 (2026)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-198529`

Property Details

APN / Parcel Number

Primary APN	`03-198529`
Alternative APNs	`3198529` `198529`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,834 sqft Total Area
Basement Area	300 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	84 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	198529
Street Address	712 CHAMBERS CIR
City	BEL AIR
State	MD
Zip	21014-3428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 77 .230 AC 712 CHAMBERS CIRCLE GREENBRIER HILLS P 53/13
Legal Subdivision	GREENBRIER HILLS
Legal Lot Number	77
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1006
Census Tract	303900

Owner

712 Chambers Cir is owned and occupied by two individuals who acquired it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	712 CHAMBERS CIR, BEL AIR, MD 21014-3428
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2016 · Amount on File
Deed Sale	May 23, 2016 · Amount on File
Prior Sale	Jul 24, 1998 · Amount on File
Deed Book / Page	11808 / 393
Last Transfer Date	Apr 1, 2020
Transfer Doc	0138250280
Record Updated	Oct 29, 2026

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	Apr 30, 2020
Property Address	712 CHAMBERS CIR, BEL AIR, MD 21014-3428
Document Number	0138250280
Book / Page	13825 / 280
Map Reference	MB CGH 53 FO 13
Instrument Date	Apr 1, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	DREAM TITLE AND ESCROW LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	712 CHAMBERS CIR, BEL AIR, MD 21014-3428

Mortgage

Document Number	0013825288
Date	Apr 30, 2020
Instrument	13825/288

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 712 Chambers Cir was $4,019, up 7.8% 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	$4,019.00 (+7.78%)	$368,800 (+2.42%)	$386,200 (+7.25%) Land $104,400 Building $281,800
2025	$3,729.00	$360,100 Land $104,400 Building $255,700	$360,100 Land $104,400 Building $255,700
2023		$324,233	$360,100 Land $104,400 Building $255,700
2022	$3,338.00

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

Flood

FEMA maps place 712 Chambers Cir in Zone X, an area of minimal flood risk.

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

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 712 Chambers Cir 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 97% of the US · lower than 94% 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 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880