815 Sapling Ct, Bel Air, MD 21015 Property Records

Harford County property record for 815 Sapling Ct, Bel Air, MD 21015

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,294 sqft · built 2014
Lot Size	0.517 acres (22,520 sqft)
Owner	2 Individual Names on File
Last Sale	$731,000 (Feb 2022)
Tax Bill	$8,176 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-396058`

Property Details

APN / Parcel Number

Primary APN	`01-396058`
Alternative APN	`396058`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,294 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	22,520 sqft (0.517 acres)
Garage Type	Built-in
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Deck Area	376 sqft
Patio Area	540 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	396058
Street Address	815 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 34 22520 SF 815 SAPLING COURT CEDARDAY 2 PT 136/75
Legal Subdivision	CEDARDAY II PH II
Legal Lot Number	34
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2000
Census Tract	301102

Owner

815 Sapling Ct is owned and occupied by two individuals who bought it in February 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	815 SAPLING CT, BEL AIR, MD 21015-6399
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BANK NA
Feb 25, 2022	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2022 · Amount on File
Deed Sale	Feb 25, 2022 · Amount on File
Prior Sale	Aug 29, 2014 · Amount on File
Deed Book / Page	15381 / 467
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	815 SAPLING CT, BEL AIR, MD 21015-6399
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0140590249
Date	Aug 25, 2020
Book Page	14059/249

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jul 1, 2035

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Feb 25, 2022
Property Address	815 SAPLING CT, BEL AIR, MD 21015-6399
Document Number	0153810467
Book / Page	15381 / 467
Map Reference	MB JJR 136 FO 75
Instrument Date	Feb 22, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ENDEAVOR TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	815 SAPLING CT, BEL AIR, MD 21015-6399

Mortgage

Document Number	0015381473
Date	Feb 25, 2022
Instrument	15381/473

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 815 Sapling Ct was $8,176 with a homeowner's exemption, up 12.2% 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	$8,176.00 (+12.18%) Homeowner's exemption	$750,200 Land $181,300 Building $568,900	$750,200 Land $181,300 Building $568,900
2025	$7,288.00 Homeowner's exemption
2023		$636,300 Land $181,300 Building $455,000	$636,300 Land $181,300 Building $455,000
2022	$6,859.00

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

Flood

FEMA maps place 815 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 815 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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