Harford County property record for 957 E Macphail Rd, Bel Air, MD 21015
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,224 sqft · built 1920 |
| Lot Size | 0.338 acres (14,736 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $304,500 (Sep 2006) |
| Tax Bill | $2,861 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-245209 |
| Primary APN | 03-245209 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,224 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 14,736 sqft (0.338 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 389 sqft |
| Patio Area | 96 sqft |
| Shed | 1 Shed |
| Shed Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Connected |
| Account Number | 245209 |
|---|---|
| Street Address | 957 E MACPHAIL RD |
| City | BEL AIR |
| State | MD |
| Zip | 21015-5660 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 2 14736 SF 957 E MAC PHAIL ROAD LDS N MAEHL P 61/80 |
| Legal Subdivision | LD MAEHL N |
| Legal Phase | AIL |
| Legal Lot Number | 2 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 1 |
| Census Block | 1000 |
| 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 | 957 E MACPHAIL RD, BEL AIR, MD 21015-5660 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2006 · Amount on Record |
| Deed Sale | Sep 5, 2006 · Amount on Record |
| Prior Sale | May 20, 1991 · Amount on Record |
| Deed Document Number | 2006330 |
| Deed Book / Page | 6940 / 635 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 957 E MACPHAIL RD, BEL AIR, MD 21015-5660 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2025 |
| Title Company | SECU TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 957 E MACPHAIL RD, BEL AIR, MD 21015-5660 |
| Document Number | 0168440434 |
|---|---|
| Date | Oct 14, 2025 |
| Book Page | 16844/434 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | GLEN BURNIE, MD 21060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2040 |
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 | $2,861.00 (+6.83%) Homeowner's exemption | $262,533 (+11.29%) | $276,200 (+8.02%) Land $112,300 Building $163,900 |
| 2025 | $2,678.00 (+8.73%) Homeowner's exemption | ||
| 2023 | $235,900 | $255,700 Land $112,300 Building $143,400 | |
| 2022 | $2,463.00 |
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 97% of the US · lower than 94% 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 | 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 |
5G (outdoors only) and 4G LTE
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