814 Sapling Ct, Bel Air, MD 21015 Property Records

Harford County property record for 814 Sapling Ct, Bel Air, MD 21015

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,184 sqft · built 2017
Lot Size	0.443 acres (19,297 sqft)
Owner	2 Company Names on File
Last Sale	$686,788 (Apr 2018)
Tax Bill	$8,601 (2026)
Deeds & Mortgages	Oct 2025 Transfer Mar 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-396066`

Property Details

APN / Parcel Number

Primary APN	`01-396066`
Alternative APN	`396066`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,184 sqft Total Area
Basement Area	950 sqft
Finished Basement	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,297 sqft (0.443 acres)
Garage Type	Built-in
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	171 sqft
Deck Area	215 sqft
Patio Area	979 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	396066
Street Address	814 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 38 19297 SF 814 SAPLING COURT CEDARDAY 2 PT 203/31
Legal Subdivision	PLAT II CEDARDAY II
Legal Lot Number	38
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2000
Census Tract	301102

Owner

814 Sapling Ct is owned by a company that acquired it in July 2025 and is owner-occupied.

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

Owner of Record	2 Company Names on File
Mailing Address	814 SAPLING CT, BEL AIR, MD 21015-6411
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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
Oct 17, 2025	Intrafamily Transfer, Transfer
Mar 10, 2022	Deed of Trust, Mortgage · Line of Credit HARFORD BANK
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 4, 2018	Deed, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2018 · Amount on File
Deed Sale	Apr 4, 2018 · Amount on File
Deed Book / Page	12762 / 146
Last Transfer Date	Jul 16, 2025
Transfer Doc	0168490154
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	Oct 17, 2025
Property Address	814 SAPLING CT, BEL AIR, MD 21015-6411
Document Number	0168490154
Book / Page	16849 / 154
Map Reference	MB 203 FO 31
Instrument Date	Jul 16, 2025
Transaction Type	Transfer
Record Updated	Oct 30, 2025

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	Living Trust
Address	814 SAPLING CT, BEL AIR, MD 21015-6411

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	814 SAPLING CT, BEL AIR, MD 21015-6411
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	814 SAPLING CT, BEL AIR, MD 21015-6411

Mortgage

Document Number	0154040416
Date	Mar 10, 2022
Book Page	15404/416

Lender

Name	HARFORD BANK
Type	Bank
Address	ABERDEEN, MD 21001

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	814 SAPLING CT, BEL AIR, MD 21015-6411
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	EQUITY SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147030347
Date	Apr 27, 2021
Book Page	14703/347

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	176 Months
Due	Dec 1, 2035

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Apr 4, 2018
Property Address	814 SAPLING CT, BEL AIR, MD 21015-6411
Document Number	0127620146
Book / Page	12762 / 0146
Map Reference	MB203 FO31
Instrument Date	Nov 16, 2017
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	UNIVERSAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,584.85
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
Address	814 SAPLING CT, BEL AIR, MD 21015-6411

Mortgage

Document Number	0012762152
Date	Apr 4, 2018
Instrument	12762/152

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 814 Sapling Ct was $8,601 with a homeowner's exemption, up 7.3% 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	$8,601.00 (+7.32%) Homeowner's exemption	$789,200 (+3.53%) Land $180,600 Building $608,600	$789,200 (-) Land $180,600 Building $608,600
2025	$8,014.00 Homeowner's exemption	$762,267	$789,200 Land $180,600 Building $608,600
2023		$708,400 Land $180,600 Building $527,800	$708,400 Land $180,600 Building $527,800
2022	$7,630.00

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

Flood

FEMA maps place 814 Sapling Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 814 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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