Harford County property record for 851 Comer Sq, Bel Air, MD 21014
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,320 sqft · built 1987 |
| Lot Size | 0.041 acres (1,785 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $335,000 (May 2026) |
| Tax Bill | $2,115 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit May 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-206742 |
| Primary APN | 03-206742 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Total Area |
| Basement Area | 450 sqft |
| Finished Basement | 450 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,785 sqft (0.041 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 206742 |
|---|---|
| Street Address | 851 COMER SQ |
| City | BEL AIR |
| State | MD |
| Zip | 21014-6870 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R2 |
| Legal Description | LT 305 .041 AC 851 COMER SQUARE MAJOR'S CHOICE PT 54/80 |
| Legal Subdivision | MAJORS CHOICE |
| Legal Lot Number | 305 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 303803 |
Source: Harford County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 851 COMER SQ, BEL AIR, MD 21014-6870 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Mar 5, 2026 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| May 1, 2026 | Deed, Transfer · FHA Mortgage ZILLOW HOME LOANS LLC |
| May 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Feb 21, 2018 | Deed of Trust, Mortgage · FHA Mortgage LAND-HOME FINANCIAL SERVICES |
| Jan 30, 2017 | Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2026 · Amount on Record |
| Deed Sale | May 1, 2026 · Amount on Record |
| Prior Sale | Jan 30, 2017 · Amount on Record |
| Deed Book / Page | 17107 / 225 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 851 COMER SQ, BEL AIR, MD 21014-6870 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0170260084 |
|---|---|
| Date | Mar 5, 2026 |
| Book Page | 17026/84 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | May 1, 2026 |
| Property Address | 851 COMER SQ, BEL AIR, MD 21014-6870 |
| Document Number | 0171070225 |
| Book / Page | 17107 / 225 |
| Instrument Date | Mar 19, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Title Company | TERRAPIN TITLE, TERRAIN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $338,350.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 851 COMER SQ, BEL AIR, MD 21014-6870 |
| Document Number | 1710000232, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 17107/232 |
| Name | ZILLOW HOME LOANS LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 851 COMER SQ, BEL AIR, MD 21014-6870 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | KEY TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0138550187 |
|---|---|
| Date | May 15, 2020 |
| Book Page | 13855/187 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 851 COMER SQ, BEL AIR, MD 21014-6870 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | CERTIFIED TITLE CORP |
| Name | Verified Name |
|---|
| Document Number | 0127160473 |
|---|---|
| Date | Feb 21, 2018 |
| Book Page | 12716/0473 |
| Name | LAND-HOME FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | CONCORD, CA 94520 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jan 30, 2017 |
| Property Address | 851 COMER SQ, BEL AIR, MD 21014-6870 |
| Document Number | 0122070420 |
| Book / Page | 12207 / 0420 |
| Map Reference | MB54 FO80 |
| Instrument Date | Jan 13, 2017 |
| Instrument | 12207-0420 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | UNIVERSAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 851 COMER SQ, 851, BEL AIR, MD 21014-6870 |
| Name | Verified Name |
|---|---|
| Address | 851 COMER SQ, BEL AIR, MD 21014-6870 |
| Document Number | 122070429 |
|---|---|
| Date | Jan 30, 2017 |
| Instrument | 12207-0429 |
| Name | LAND-HOME FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
Source: Harford County assessment roll, as of August 12, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Municipality | Bel Air Town |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $257,367 (+4.58%) | $279,900 (+13.73%) Land $65,000 Building $214,900 | |
| 2025 | $2,115.00 (+10.44%) Homeowner's exemption | $246,100 (+11.44%) Land $65,000 Building $181,100 | $246,100 (-) Land $65,000 Building $181,100 |
| 2023 | $220,833 | $246,100 Land $65,000 Building $181,100 | |
| 2022 | $1,915.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2025) |
| Most Recent Claim | Jul 2025 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MARYLAND AMERICAN WATER COMPANY private · serves 13,200 people · EPA ID MD0120003 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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