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Single Family ResidenceResidential
$472,058$255 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $380,000 on Oct 28, 2022

545 ROCK SPRING RD

BEL AIR, MD 21014
2
Baths
1,850 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.44 ac
Lot SizeThe size of the land the home sits on, from county records.
1855
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$472K
$454K low$490K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$380,000 · Oct 28, 2022
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$92,058
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$73,646
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.81%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$380,000
EMM LOANS LLC · recorded Oct 28, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,610 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$377,867 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$366,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$401,200

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyHARFORD
Lot (acres)The size of the land the home sits on, from county records.0.43
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Slate
HeatingThe type of heating system in the home.Radiant
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 864 ft²Porch · 272 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Bel Air High SchoolC+
High · Grades 9–12 · 0.9 mi
M
Bel Air Middle SchoolA
Middle · Grades 6–8 · 1.2 mi
E
Red Pump Elementary SchoolA
Elementary · Grades PK–5 · 1.5 mi

District: Harford County Public Schools

Neighborhood · ZIP 21014These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.55

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.38,636
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,732 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$117,745
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$128,331
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

545 Rock Spring Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Has a bigger lot than 71% of homes in Bel Air 21014
  • Among the oldest homes in Bel Air 21014

What homes are worth in Bel Air 21014

Each bar is how many homes fall in that price range. The marker is this home.

This home
$172K$792K

This home is worth more than 52% of homes in Bel Air 21014.

How it measures up in Bel Air 21014

The dot is this home. The mark in the middle is the typical home in Bel Air 21014.

Estimated value$472,058
CheaperTypical $461,103Pricier

Pricier than 52% of homes nearby

Price per ft²$255
CheaperTypical $252Pricier

Pricier than 53% of homes nearby

Living area1,850 ft²
SmallerTypical 1,752 ft²Bigger

Bigger than 55% of homes nearby

Lot size0.44 ac
SmallerTypical 0.27 acBigger

Bigger than 71% of homes nearby

Year built1855
OlderTypical 1987Newer

Older than almost all homes nearby

How 545 Rock Spring Rd ranks against every home in each area.
MeasureThis homeBel Air 21014Harford County
Estimated valuepricier than$472,05852% of homes61% of homes
Price per ft²pricier than$25553% of homes63% of homes
Living areabigger than1,850 ft²55% of homes59% of homes
Lot sizebigger than0.44 ac71% of homes59% of homes
Year builtnewer than1855almost no homesalmost no homes

About 545 Rock Spring Rd

How much is 545 Rock Spring Rd, Bel Air, MD worth?

The TopHap Estimate for 545 Rock Spring Rd, Bel Air, MD is $472,058 as of Jul 14, 2026. The likely range is $453,856 to $490,260. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 545 Rock Spring Rd, Bel Air, MD last sell?

545 Rock Spring Rd, Bel Air, MD last sold on Oct 28, 2022 for $380,000, according to the county's recorded deed.

How big is 545 Rock Spring Rd, Bel Air, MD?

545 Rock Spring Rd, Bel Air, MD has 2 bathrooms, 1,850 square feet of living space and a 0.43-acre lot.

When was 545 Rock Spring Rd, Bel Air, MD built?

545 Rock Spring Rd, Bel Air, MD was built in 1855, making it 171 years old. The building has 2 stories.

What schools serve 545 Rock Spring Rd, Bel Air, MD?

545 Rock Spring Rd, Bel Air, MD is assigned to Bel Air High School (high), rated C+; Bel Air Middle School (middle), rated A; Red Pump Elementary School (elementary), rated A. All sit in Harford County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 545 Rock Spring Rd, Bel Air, MD compare to other homes in Bel Air 21014?

Among the 13,300 homes in Bel Air 21014, it is worth more than 52% of them ($472,058 against a typical $461,103), its price per square foot is higher than 53% of them ($255 against a typical $252), it is bigger than 55% of them (1,850 ft² against a typical 1,752 ft²), its lot is bigger than 71% of them (0.44 ac against a typical 0.27 ac) and it is newer than almost none of them (1855 against a typical 1987). Measured against all of Harford County, it is worth more than 61% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 545 Rock Spring Rd, Bel Air, MD?

The 2025 property tax bill for 545 Rock Spring Rd, Bel Air, MD was $2,610. The county assessed it at $377,867.

Closest homes

More homes in Bel Air 21014

Assigned schools

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