820 Sapling Ct, Bel Air, MD 21015 Property Records

Harford County property record for 820 Sapling Ct, Bel Air, MD 21015

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 5,168 sqft · built 2013
Lot Size	0.504 acres (21,954 sqft)
Owner	Individual Name on File
Last Sale	$930,000 (Dec 2022)
Tax Bill	$9,959 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-394614`

Property Details

APN / Parcel Number

Primary APN	`01-394614`
Alternative APN	`394614`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,168 sqft Total Area
Basement Area	1,800 sqft
Finished Basement	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	21,954 sqft (0.504 acres)
Garage Type	Built-in
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	184 sqft
Deck Area	565 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	394614
Street Address	820 SAPLING CT
City	BEL AIR
State	MD
Zip	21015-6411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 140 21954 SF 820 SAPLING COURT EST CEDARDAY S4 P 135/15
Legal Subdivision	CEDARDAY
Legal Lot Number	140
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2000
Census Tract	301102

Owner

820 Sapling Ct is owned and occupied by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	820 SAPLING CT, BEL AIR, MD 21015-6411
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

Date	Document
Dec 9, 2022	Deed, Transfer · Conventional Mortgage MERIDIAN BANK
Jun 17, 2022	Deed, Transfer · Stand-Alone First Mortgage ALFRED LIFE WILLIAMSON ETAL
Oct 29, 2020	Deed, Transfer · Conventional Mortgage NAVY FCU
Jan 27, 2020	Quit Claim Deed, Transfer BROADVIEW TITLE
May 11, 2018	Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2022 · Amount on File
Deed Sale	Dec 9, 2022 · Amount on File
Prior Sale	Jun 17, 2022 · Amount on File
Deed Book / Page	15764 / 452
Prior Transfer Date	Jan 12, 2020
Prior Transfer Doc	0136580335
Record Updated	Oct 29, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Dec 9, 2022
Property Address	820 SAPLING CT, BEL AIR, MD 21015-6411
Document Number	0157640452
Book / Page	15764 / 452
Map Reference	MB JJR135 FO 15
Instrument Date	Dec 6, 2022
Transaction Type	Transfer
Record Updated	Dec 16, 2022
Title Company	RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,650.00
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 in Severalty
Address	820 SAPLING CT, BEL AIR, MD 21015-6411

Mortgage

Document Number	0157640457
Date	Dec 9, 2022
Instrument	15764-0457

Lender

Name	MERIDIAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	6.12%
Max Rate At Change	11.1%
Index	1-Year CMT
Max Rate	11.1%

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 17, 2022
Property Address	820 SAPLING CT, BEL AIR, MD 21015-6411
Document Number	0155600477
Book / Page	15560 / 477
Map Reference	MB JJR 135 FO 15
Instrument Date	Jun 16, 2022
Transaction Type	Transfer
Record Updated	Jun 28, 2022
Title Company	NOT AVAILABLE, CANVASBACK TITLE & ESCROW

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
Address	820 SAPLING CT, 820, BEL AIR, MD 21015-6411

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1146 SPARROW MILL WAY, BEL AIR, MD 21015-6134

Mortgage

Document Number	0155600483
Date	Jun 17, 2022
Instrument	15560-0483

Lender

Name	ALFRED LIFE WILLIAMSON ETAL
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Oct 29, 2020
Property Address	820 SAPLING CT, BEL AIR, MD 21015-6411
Document Number	0142210001
Book / Page	14221 / 1
Map Reference	MB135FO15
Instrument Date	Oct 19, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount 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	820 SAPLING CT, BEL AIR, MD 21015-6411

Mortgage

Document Number	0000142218
Date	Oct 29, 2020
Instrument	14221/8

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5.37%
Index	5-Year CMT
Margin	2
Max Rate	8.37%

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARFORD MD
Recording Date	Jan 27, 2020
Property Address	820 SAPLING CT, BEL AIR, MD 21015-6411
Document Number	0136580335
Book / Page	013658 / 000335
Instrument Date	Jan 12, 2020
Transaction Type	Transfer
Record Updated	Feb 12, 2020
Title Company	BROADVIEW TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	820 SAPLING CT BEL AIR MD 210156411, BEL AIR, MD 21015-6411

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	May 11, 2018
Property Address	820 SAPLING CT, BEL AIR, MD 21015-6411
Document Number	0128160249
Book / Page	12816 / 0249
Map Reference	MB JJR135 FO15
Instrument Date	May 4, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	TITLE RESOURCES GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,675.00
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	820 SAPLING CT, BEL AIR, MD 21015-6411

Mortgage

Document Number	0012816257
Date	May 11, 2018
Instrument	12816/257

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 820 Sapling Ct was $9,959, up 15.3% 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	$9,959.00 (+15.35%)	$913,800 (+7.12%) Land $181,100 Building $732,700	$913,800 (-) Land $181,100 Building $732,700
2025	$8,634.00	$853,033	$913,800 Land $181,100 Building $732,700
2023		$731,500 Land $181,100 Building $550,400	$731,500 Land $181,100 Building $550,400
2022	$7,881.00

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

Flood

FEMA maps place 820 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 820 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 (outdoors only) and 4G LTE

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