817 Sapling Ct, Bel Air, MD 21015 Property Records

Harford County property record for 817 Sapling Ct, Bel Air, MD 21015

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,356 sqft · built 2018
Lot Size	0.449 acres (19,558 sqft)
Owner	2 Individual Names on File
Last Sale	$627,977 (Dec 2018)
Tax Bill	$8,633 (2026)
Deeds & Mortgages	Apr 2019 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-396057`

Property Details

APN / Parcel Number

Primary APN	`01-396057`
Alternative APN	`396057`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,356 sqft Total Area
Basement Area	1,100 sqft
Finished Basement	1,100 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	19,558 sqft (0.449 acres)
Garage Type	Mixed
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	500 sqft
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	396057
Street Address	817 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 33 19558 SF 817 SAPLING COURT CEDARDAY 2 PT 136/75
Legal Subdivision	CEDARDAY II
Legal Lot Number	33
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2000
Census Tract	301102

Owner

817 Sapling Ct is owned and occupied by two individuals who bought it in December 2018.

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	817 SAPLING CT, BEL AIR, MD 21015-6399
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2019	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Dec 6, 2018	Deed, Transfer · Conventional Mortgage TBI MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2018 · Amount on File
Deed Sale	Dec 6, 2018 · Amount on File
Deed Book / Page	13082 / 365
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	817 SAPLING CT, BEL AIR, MD 21015-6399
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	RGS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0132260024
Date	Apr 15, 2019
Book Page	13226/0024

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	817 SAPLING CT, BEL AIR, MD 21015-6399
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150730051
Date	Oct 4, 2021
Book Page	15073/51

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2041

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Dec 6, 2018
Property Address	817 SAPLING CT, BEL AIR, MD 21015-6399
Document Number	0130820365
Book / Page	13082 / 0365
Map Reference	MB JJR136 FO75
Instrument Date	Nov 15, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	WESTMINSTER TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,549.72
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	817 SAPLING CT, BEL AIR, MD 21015-6399

Mortgage

Document Number	0013082371
Date	Dec 6, 2018
Instrument	13082/371

Lender

Name	TBI MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 817 Sapling Ct was $8,633 with a homeowner's exemption, up 11.8% 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	$8,633.00 (+11.8%) Homeowner's exemption	$792,100 Land $180,700 Building $611,400	$792,100 Land $180,700 Building $611,400
2025	$7,722.00 Homeowner's exemption
2023		$674,300 Land $180,700 Building $493,600	$674,300 Land $180,700 Building $493,600
2022	$7,236.00

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

Flood

FEMA maps place 817 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 817 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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