981 Phillips Pl, Bel Air, MD 21014 Property Records

Harford County property record for 981 Phillips Pl, Bel Air, MD 21014

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,360 sqft · built 1986
Lot Size	0.033 acres (1,437 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Feb 2021)
Tax Bill	$2,867 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-198081`

Property Details

APN / Parcel Number

Primary APN	`03-198081`
Alternative APNs	`3198081` `198081`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,360 sqft Total Area
Basement Area	250 sqft
Finished Basement	250 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,437 sqft (0.033 acres)
Deck Area	120 sqft
Patio Area	120 sqft
Balcony Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	198081
Street Address	981 PHILLIPS PL
City	BEL AIR
State	MD
Zip	21014-2634
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3
Legal Description	LT 99 .033 AC 981 PHILLIPS PLACE OLD FIELDS S4 P 52/104
Legal Subdivision	OLD FIELDS V SEC 4
Legal Lot Number	99
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1012
Census Tract	303802

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	981 PHILLIPS PL, BEL AIR, MD 21014-2634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Oct 7, 2022	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Feb 17, 2021	Deed, Transfer · FHA Mortgage NATIONWIDE MORTGAGE BANKERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2021 · Amount on File
Deed Sale	Feb 17, 2021 · Amount on File
Prior Sale	Nov 7, 2012 · Amount on File
Deed Book / Page	14501 / 349
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Recording Date	Jul 14, 2026
Property Address	981 PHILLIPS PL, BEL AIR, MD 21014-2634
Document Number	1720000217
Book / Page	17207 / 217
Instrument Date	Jun 22, 2026
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	981 PHILLIPS PL, BEL AIR, MD 21014-2634

Mortgage

Document Number	1720000217,
Date	Jul 14, 2026
Book Page	17207/217

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	295 Months
Due	Feb 1, 2051

Interest

Rate	6.51%
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	981 PHILLIPS PL, BEL AIR, MD 21014-2634
Transaction Type	Mortgage
Record Updated	Oct 19, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	981 PHILLIPS PL, BEL AIR, MD 21014-2634

Mortgage

Document Number	0156980223
Date	Oct 7, 2022
Book Page	15698/223

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	340 Months
Due	Feb 1, 2051

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Feb 17, 2021
Property Address	981 PHILLIPS PL, BEL AIR, MD 21014-2634
Document Number	0145010349
Book / Page	14501 / 349
Instrument Date	Jan 28, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ADVANTAGE TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0014501354
Date	Feb 17, 2021
Instrument	14501/354

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

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	$2,867.00 (+8.8%)	$263,067 (+2.12%)	$274,000 (+6.37%) Land $67,000 Building $207,000
2025	$2,635.00 (+15.12%)	$257,600 (+14.02%) Land $67,000 Building $190,600	$257,600 (-) Land $67,000 Building $190,600
2023		$225,933	$257,600 Land $67,000 Building $190,600
2022	$2,289.00

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 · 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	6 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2006 · 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.

Wildfire

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	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 415 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

May also be available: AT&T.

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