820 E Wheel Rd, Bel Air, MD 21015 Property Records

Harford County property record for 820 E Wheel Rd, Bel Air, MD 21015

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,586 sqft · built 2014
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000,000 (Sep 2024)
Tax Bill	$9,057 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-374583`

Property Details

APN / Parcel Number

Primary APN	`01-374583`
Alternative APN	`374583`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,586 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	87,556 sqft (2.01 acres)
Garage Type	Built-in
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	626 sqft
Deck Area	252 sqft
Shed	1 Shed
Shed Area	540 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	374583
Street Address	820 E WHEEL RD
City	BEL AIR
State	MD
Zip	21015-6319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 3 2.01 AC 820 E WHEEL ROAD LD RCSMB LLC PT 122/45
Legal Subdivision	FINAL PLAT LAND OF RCSMB LLC
Legal Lot Number	3
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	1
Census Block	1007
Census Tract	301102

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	820 E WHEEL RD, BEL AIR, MD 21015-6319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Oct 20, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 8, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2024 · Amount on Record
Deed Sale	Sep 11, 2024 · Amount on Record
Prior Sale	Jun 6, 2013 · Amount on Record
Deed Book / Page	16383 / 403
Prior Transfer Date	Oct 30, 2019
Prior Transfer Doc	0135380116
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	820 E WHEEL RD, BEL AIR, MD 21015-6319
Transaction Type	Mortgage
Record Updated	Feb 27, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 E WHEEL RD, BEL AIR, MD 21015-6319

Mortgage

Document Number	0170040301
Date	Feb 18, 2026
Book Page	17004/301

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2046

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	820 E WHEEL RD, BEL AIR, MD 21015-6319
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 E WHEEL RD, BEL AIR, MD 21015-6319

Mortgage

Document Number	0168530113
Date	Oct 20, 2025
Book Page	16853/113

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2054

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARFORD MD
Recording Date	Nov 8, 2019
Property Address	820 E WHEEL RD, BEL AIR, MD 21015-6319
Document Number	0135380116
Book / Page	013538 / 000116
Instrument Date	Oct 30, 2019
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 E WHEEL RD BEL AIR MD 210156319, BEL AIR, MD 21015-6319

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		$987,900 (+7.2%) Land $145,000 Building $842,900	$987,900 (-) Land $145,000 Building $842,900
2025	$9,057.00 (+6.94%)	$921,533 (+16.83%)	$987,900 (+25.24%) Land $145,000 Building $842,900
2023		$788,800 Land $145,000 Building $643,800	$788,800 Land $145,000 Building $643,800
2022	$8,469.00

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

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

Values are read at the parcel center point; 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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