813 Sapling Ct, Bel Air, MD 21015 Property Records

Harford County property record for 813 Sapling Ct, Bel Air, MD 21015

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,752 sqft · built 2018
Lot Size	0.415 acres (18,077 sqft)
Owner	2 Individual Names on File
Last Sale	$613,022 (Aug 2018)
Tax Bill	$9,412 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-396059`

Property Details

APN / Parcel Number

Primary APN	`01-396059`
Alternative APN	`396059`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,752 sqft Total Area
Basement Area	1,210 sqft
Finished Basement	1,210 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	18,077 sqft (0.415 acres)
Garage Type	Built-in
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	114 sqft
Deck Area	402 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	396059
Street Address	813 SAPLING CT
City	BEL AIR
State	MD
Zip	21015-6399
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 35 18077 SF 813 SAPLING COURT CEDARDAY 2 PT 136/75
Legal Subdivision	CEDARDAY II
Legal Lot Number	35
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2000
Census Tract	301102

Owner

813 Sapling Ct is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	813 SAPLING CT, BEL AIR, MD 21015-6399
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

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL FCU OF MARYLAND
Aug 22, 2018	Deed, Transfer · Conventional Mortgage TBI MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2018 · Amount on File
Deed Sale	Aug 22, 2018 · Amount on File
Deed Book / Page	12954 / 237
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	813 SAPLING CT, BEL AIR, MD 21015-6399
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0141270064
Date	Sep 22, 2020
Book Page	14127/64

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	813 SAPLING CT, BEL AIR, MD 21015-6399
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	PROPERTY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0135690295
Date	Dec 2, 2019
Book Page	13569/0295

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 22, 2018
Property Address	813 SAPLING CT, BEL AIR, MD 21015-6399
Document Number	0129540237
Book / Page	12954 / 0237
Map Reference	MB JJR136 FO75
Instrument Date	Jul 31, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	WESTMINSTER TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,895.33
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	813 SAPLING CT, BEL AIR, MD 21015-6399

Mortgage

Document Number	0012954242
Date	Aug 22, 2018
Instrument	12954/242

Lender

Name	TBI MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 813 Sapling Ct was $9,412 with a homeowner's exemption, up 21.1% 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	$9,412.00 (+21.09%) Homeowner's exemption	$863,600 Land $180,400 Building $683,200	$863,600 Land $180,400 Building $683,200
2025	$7,773.00 Homeowner's exemption
2023		$676,500 Land $180,400 Building $496,100	$676,500 Land $180,400 Building $496,100
2022	$7,260.00

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

Flood

FEMA maps place 813 Sapling Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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

Wildfire risk around 813 Sapling Ct is low, with 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 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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