985 Phillips Pl, Bel Air, MD 21014 Property Records

Harford County property record for 985 Phillips Pl, Bel Air, MD 21014

Property Summary

Property Type	Townhouse
Details	3 ba · 1,360 sqft · built 1986
Lot Size	0.033 acres (1,437 sqft)
Owner	Individual Name on File
Last Sale	$192,000 (Jan 2018)
Tax Bill	$3,015 (2026)
Deeds & Mortgages	Jan 2024 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-198065`

Property Details

APN / Parcel Number

Primary APN	`03-198065`
Alternative APNs	`3198065` `198065`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,360 sqft Total Area
Basement Area	425 sqft
Finished Basement	425 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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)
Patio Area	100 sqft
Balcony Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	198065
Street Address	985 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 97 .033 AC 985 PHILLIPS PLACE OLD FIELDS S4 P 52/104
Legal Subdivision	OLD FIELDS V SEC 4
Legal Lot Number	97
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1012
Census Tract	303802

Owner

985 Phillips Pl, a townhouse, is owned and occupied by an individual who bought it in January 2018.

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

Owner of Record	Individual Name on File
Mailing Address	985 PHILLIPS PL, BEL AIR, MD 21014-2634
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
Jan 11, 2024	Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FCU
Aug 11, 2021	Deed of Trust, Mortgage · VA Mortgage MAS ASSOCIATES LLC
Jan 8, 2018	Grant Deed, Transfer MAS ASSOCIATES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2018 · Amount on File
Deed Sale	Jan 8, 2018 · Amount on File
Prior Sale	May 20, 2005 · Amount on File
Deed Document Number	201812664-0372
Deed Book / Page	12664 / 372
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	985 PHILLIPS PL, BEL AIR, MD 21014-2634
Transaction Type	Mortgage
Record Updated	Jan 23, 2024
Title Company	GETZ TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 PHILLIPS PL, BEL AIR, MD 21014-2634

Mortgage

Document Number	0161460001
Date	Jan 11, 2024
Book Page	16146/1

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	985 PHILLIPS PL, BEL AIR, MD 21014-2634
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE STLMT & ESCROW L

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149510181
Date	Aug 11, 2021
Book Page	14951/181

Lender

Name	MAS ASSOCIATES LLC
Type	Non-Lending Institution
Address	OWINGS MILLS, MD 21117

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Jan 8, 2018
Property Address	985 PHILLIPS PL, BEL AIR, MD 21014-2634
Document Number	0126640372
Book / Page	012664 / 000372
Instrument Date	Dec 29, 2017
Transaction Type	Transfer
Record Updated	Jan 16, 2018
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$192.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	985 PHILLIPS PL BEL AIR MD 210142634, BEL AIR, MD 21014-2634

Mortgage

Document Number	126640378
Date	Jan 8, 2018
Book Page	012664/000378

Lender

Name	MAS ASSOCIATES LLC
Address	66 PAINTERS MILL RD # 202, OWINGS MILLS, MD 21117-3657

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 985 Phillips Pl was $3,015, up 7.8% 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	$3,015.00 (+7.83%)	$276,700	$288,500 Land $67,000 Building $221,500
2025	$2,796.00
2023		$242,400	$270,800 Land $67,000 Building $203,800
2022	$2,487.00

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

Flood

FEMA maps place 985 Phillips Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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

Wildfire risk around 985 Phillips Pl is low, with less than 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 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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