812 Sapling Ct, Bel Air, MD 21015 Property Records

Harford County property record for 812 Sapling Ct, Bel Air, MD 21015

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,544 sqft · built 2018
Lot Size	0.396 acres (17,249 sqft)
Owner	2 Individual Names on Record
Last Sale	$860,000 (Dec 2023)
Tax Bill	$9,024 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Nov 2018 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-396061`

Property Details

APN / Parcel Number

Primary APN	`01-396061`
Alternative APN	`396061`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,544 sqft Total Area
Basement Area	1,250 sqft
Finished Basement	1,250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	17,249 sqft (0.396 acres)
Garage Type	Mixed
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	612 sqft
Porch	Slab
Porch Area	114 sqft
Deck Area	320 sqft
Patio Area	658 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	396061
Street Address	812 SAPLING CT
City	BEL AIR
State	MD
Zip	21015-6411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 37 17249 SF 812 SAPLING COURT CEDARDAY 2 PT 136/75
Legal Subdivision	CEDARDAY II
Legal Lot Number	37
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2000
Census Tract	301102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	812 SAPLING CT, BEL AIR, MD 21015-6411
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Deed, Transfer · Conventional Mortgage US MUTUAL HOME LOANS INC
Nov 20, 2018	Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FCU
May 8, 2020	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Apr 20, 2021	Deed of Trust, Mortgage · Line of Credit FREEDOM FCU
Apr 21, 2022	Deed of Trust, Mortgage · Line of Credit FREEDOM FCU
Jun 18, 2018	Deed, Transfer · FHA Mortgage TBI MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2023 · Amount on Record
Deed Sale	Dec 28, 2023 · Amount on Record
Prior Sale	Jun 18, 2018 · Amount on Record
Deed Book / Page	16132 / 8
Record Updated	Oct 29, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Dec 28, 2023
Property Address	812 SAPLING CT, BEL AIR, MD 21015-6411
Document Number	0161320008
Book / Page	16132 / 8
Map Reference	MB JJR 136 FO 75
Instrument Date	Dec 22, 2023
Transaction Type	Transfer
Record Updated	Jan 4, 2024
Title Company	BLACK OAK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	812 SAPLING CT, BEL AIR, MD 21015-6411

Mortgage

Document Number	0161320015
Date	Dec 28, 2023
Instrument	16132-0015

Lender

Name	US MUTUAL HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	812 SAPLING CT, BEL AIR, MD 21015-6411
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0130640231
Date	Nov 20, 2018
Book Page	13064/0231

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 15, 2033

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	812 SAPLING CT, BEL AIR, MD 21015-6411
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138420265
Date	May 8, 2020
Book Page	13842/265

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	812 SAPLING CT, BEL AIR, MD 21015-6411
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146800169
Date	Apr 20, 2021
Book Page	14680/169

Lender

Name	FREEDOM FCU
Type	Credit Union
Address	BEL AIR, MD 21014

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 19, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	812 SAPLING CT, BEL AIR, MD 21015-6411
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0154760293
Date	Apr 21, 2022
Book Page	15476/293

Lender

Name	FREEDOM FCU
Type	Credit Union
Address	BEL AIR, MD 21014

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 18, 2018
Property Address	812 SAPLING CT, BEL AIR, MD 21015-6411
Document Number	0128630044
Book / Page	12863 / 0044
Map Reference	MB JJR136 FOI75
Instrument Date	May 30, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,900.57
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	812 SAPLING CT, BEL AIR, MD 21015-6411

Mortgage

Document Number	0001286350
Date	Jun 18, 2018
Instrument	12863/50

Lender

Name	TBI MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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	$9,024.00 (+12.91%)	$828,000 (+20.7%) Land $180,200 Building $647,800	$828,000 (+20.7%) Land $180,200 Building $647,800
2025	$7,992.00 (+8.45%)
2023		$686,000 Land $180,200 Building $505,800	$686,000 Land $180,200 Building $505,800
2022	$7,369.00

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

Flood

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 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 90 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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