818 Chambers Cir, Bel Air, MD 21014 Property Records

Harford County property record for 818 Chambers Cir, Bel Air, MD 21014

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,042 sqft · built 1988
Lot Size	0.361 acres (15,725 sqft)
Owner	2 Individual Names on File
Last Sale	$266,000 (Aug 2003)
Tax Bill	$4,140 (2026)
Deeds & Mortgages	May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-198383`

Property Details

APN / Parcel Number

Primary APN	`03-198383`
Alternative APNs	`3198383` `198383`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,042 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,725 sqft (0.361 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	148 sqft
Deck Area	352 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	198383
Street Address	818 CHAMBERS CIR
City	BEL AIR
State	MD
Zip	21014-3426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 92 .361 AC 818 CHAMBERS CIRCLE GREENBRIER HILLS P 53/12
Legal Subdivision	GREENBRIER HILLS
Legal Lot Number	92
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1006
Census Tract	303900

Owner

818 Chambers Cir is owned and occupied by two individuals who bought it in August 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	818 CHAMBERS CIR, BEL AIR, MD 21014-3426
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2003 · Amount on File
Deed Sale	Aug 27, 2003 · Amount on File
Prior Sale	Dec 9, 1991 · Amount on File
Deed Document Number	2003301
Deed Book / Page	4845 / 343
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	818 CHAMBERS CIR, BEL AIR, MD 21014-3426
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0155300117
Date	May 26, 2022
Book Page	15530/117

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	TOWSON, MD 21204

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 30, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 818 Chambers Cir was $4,140 with a homeowner's exemption, up 9.1% 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	$4,140.00 (+9.09%) Homeowner's exemption	$379,900	$397,700 Land $105,500 Building $292,200
2025	$3,795.00 Homeowner's exemption
2023		$333,933	$371,000 Land $105,500 Building $265,500
2022	$3,437.00

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

Flood

FEMA maps place 818 Chambers Cir in Zone X, an area of minimal flood risk.

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 6 (20% premium discount)
Nearby Flood Policies	4 in force

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 818 Chambers Cir is low, with less than 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 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	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 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880