815 Rock Spring Rd, Bel Air, MD 21014 Property Records

Harford County property record for 815 Rock Spring Rd, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,584 sqft · built 1940
Lot Size	0.382 acres (16,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$238,000 (May 2018)
Tax Bill	$2,499 (2026)
Deeds & Mortgages	May 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-043940`

Property Details

APN / Parcel Number

Primary APN	`03-043940`
Alternative APNs	`3043940` `043940`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,584 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	16,650 sqft (0.382 acres)
Lot Dimensions	185 ft deep x 90 ft wide
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	043940
Street Address	815 ROCK SPRING RD
City	BEL AIR
State	MD
Zip	21014-2317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 90X185 0.39 AC 815 ROCK SPRING ROAD N OF BEL AIR
Legal Subdivision	BEL AIR ROCK SPG CHURCH
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1006
Census Tract	303802

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	815 ROCK SPRING RD, BEL AIR, MD 21014-2317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
May 25, 2018	Deed, Transfer · FHA Mortgage ACRE MORTGAGE & FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2018 · Amount on Record
Deed Sale	May 25, 2018 · Amount on Record
Prior Sale	Dec 9, 2016 · Amount on Record
Deed Book / Page	12833 / 417
Transfer Doc	0000001887
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	815 ROCK SPRING RD, BEL AIR, MD 21014-2317
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147470146
Date	May 13, 2021
Book Page	14747/146

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	May 25, 2018
Property Address	815 ROCK SPRING RD, BEL AIR, MD 21014-2317
Document Number	0128330417
Book / Page	12833 / 0417
Instrument Date	Apr 12, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	KEY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,675.00
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	815 ROCK SPRING RD, BEL AIR, MD 21014-2317

Mortgage

Document Number	0012833424
Date	May 25, 2018
Instrument	12833/424

Lender

Name	ACRE MORTGAGE & FINANCIAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 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	$2,499.00 (+3.31%)	$223,833 (+2.16%)	$233,300 (+6.48%) Land $88,300 Building $145,000
2025	$2,419.00 (+2.46%)	$219,100 (+2.46%) Land $88,300 Building $130,800	$219,100 (-) Land $88,300 Building $130,800
2023		$213,833	$219,100 Land $88,300 Building $130,800
2022	$2,361.00

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	6 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2006 · tidal / storm surge

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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 415 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

May also be available: AT&T.

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