Harford County property record for 951 E Ring Factory Rd, Bel Air, MD 21014
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,177 sqft · built 1989 |
| Lot Size | 0.591 acres (25,743 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (Sep 2019) |
| Tax Bill | $5,383 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-207323 |
| Primary APN | 03-207323 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,177 sqft Total Area |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 25,743 sqft (0.591 acres) |
| Garage Type | Mixed |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 198 sqft |
| Deck Area | 306 sqft |
| Patio Area | 280 sqft |
| Gazebo | 320 sqft |
| Sauna | Sauna |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 207323 |
|---|---|
| Street Address | 951 E RING FACTORY RD |
| City | BEL AIR |
| State | MD |
| Zip | 21014-5539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 77 .591 AC 951 E RING FACTORY ROAD GLENWOOD GARTH PT 58/109 |
| Legal Subdivision | FINAL PLAT 1 SECTION ONE GLENWOOD GARTH |
| Legal Lot Number | 77 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 303602 |
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 | 951 E RING FACTORY RD, BEL AIR, MD 21014-5539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Sep 6, 2019 | Deed, Transfer · Conventional Mortgage M & T BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2019 · Amount on Record |
| Deed Sale | Sep 6, 2019 · Amount on Record |
| Prior Sale | Jun 7, 1989 · Amount on Record |
| Deed Book / Page | 13429 / 168 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 951 E RING FACTORY RD, BEL AIR, MD 21014-5539 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | KEY TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0145300148 |
|---|---|
| Date | Feb 26, 2021 |
| Book Page | 14530/148 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 317 Months |
| Due | Jul 25, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 6, 2019 |
| Property Address | 951 E RING FACTORY RD, BEL AIR, MD 21014-5539 |
| Document Number | 0134290168 |
| Book / Page | 13429 / 0168 |
| Map Reference | MB CGHIII58 FO 109 |
| Instrument Date | Aug 30, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | SAGE TITLE GROUP LLC |
| 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 |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 951 E RING FACTORY RD, BEL AIR, MD 21014-5539 |
| Document Number | 0013429174 |
|---|---|
| Date | Sep 6, 2019 |
| Instrument | 13429/174 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2049 |
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,383.00 (+7.57%) | $493,967 (+12.21%) | $525,700 (+9.96%) Land $117,800 Building $407,900 |
| 2025 | $5,004.00 (+9%) | ||
| 2023 | $440,233 | $478,100 Land $117,800 Building $360,300 | |
| 2022 | $4,591.00 |
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 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (1983–2007) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jul 2007 · tidal / storm surge |
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 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.
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 |
| 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.
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 |
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