CCN 215312 · Harford County, Maryland
Sterling Care Bel Air
410 East McPhail Road, Bel Air, MD 21014
Sterling Care Bel Air is a 155-bed for-profit nursing home in Bel Air, Maryland, first certified for Medicare or Medicaid in 1997. CMS rates it 4 out of 5 stars overall in its September 2026 data, and it averaged 137.3 residents a day, about 89% of its certified beds. It has an active FHA-insured Section 232 loan: $36.9 million originally, at 5.85%, with $36.9 million outstanding as of September 30, 2026 and maturity in October 2061.
Facility facts
- Certified beds
- 155
- Average residents per day
- 137.3 (88.6% of beds)
- Ownership type
- For profit - Limited Liability company
- Certification
- Medicare and Medicaid
- Legal business name
- Bel Air SNF Operator LLC
- Certified since
- Sep 16, 1997
- Chain or affiliated group
- Sterling Care (6 facilities, chain average 4.3 stars)
- Location
- Urban
Ratings and staffing
Star ratings run from 1 to 5. Staffing is nurse hours per resident per day from CMS Payroll Based Journal data; turnover is the CMS annual nursing staff turnover rate. Occupancy is CMS's average daily census divided by certified beds.
| Measure | This facility | Maryland median | US median |
|---|---|---|---|
| Overall rating | 4 of 5 | State spread: 33 at 1, 43 at 2, 46 at 3, 43 at 4, 54 at 5 | |
| Health inspections | 3 of 5 | ||
| Quality measures | 5 of 5 | ||
| Staffing | 2 of 5 | ||
| Total nurse hours per resident per day | 3.58 | 3.60 | 3.68 |
| RN hours per resident per day | 0.41 | 0.70 | 0.58 |
| Weekend nurse hours per resident per day | 3.35 | ||
| Nursing staff turnover | 41.9% | 41.5% | 44.9% |
| Occupancy (residents / beds) | 88.6% | 89.0% | 85.7% |
| Fines reported by CMS | None | ||
| Health deficiencies, latest standard survey | 11 (Mar 12, 2026) | ||
HUD 223(f) Express Lane: the CMS part
HUD gives 223(f) applications queue priority when the facility has CMS overall and health inspection ratings of at least 2 stars and no abuse icon, among other tests (ORCF criteria of March 31, 2026). Sterling Care Bel Air meets that part today: 4 stars overall, 3 on health inspections, no abuse icon. The loan-to-value, coverage and operator tests depend on the deal. All the criteria.
Who owns and operates it
These are the owners and operators the facility reported to CMS: anyone with a 5% or greater direct or indirect stake, and any organization with operational or managerial control.
| Name | Role | Share | Since |
|---|---|---|---|
| Bbf Holdings LLCOrganization | Direct Ownership Interest | 100% | 06/01/2022 |
| Jek Irrv TrOrganization | Indirect Ownership Interest | n/a | 06/01/2022 |
| Nmj Irrv TrOrganization | Indirect Ownership Interest | n/a | 06/01/2022 |
| Sava Acquisition LLCOrganization | Indirect Ownership Interest | n/a | 06/01/2022 |
| Frankel, ChaimIndividual | Indirect Ownership Interest | n/a | 06/01/2022 |
Changes of ownership
| Effective | Buyer | Seller |
|---|---|---|
| Jun 1, 2022 | Bel Air SNF Operator LLC | Ssc Bel Air Operating Company LLC |
HUD Section 232 loans
HUD's Office of Healthcare Programs lists these FHA-insured loans for a project we matched to this facility by name, city and bed count. Status, rate and balance come from HUD's insured-mortgage files as of September 30, 2026. Check the FHA number against the loan documents before relying on the match.
| Endorsed | Program | Original amount | Status | FHA number |
|---|---|---|---|---|
| Sep 2, 2026 | 232/ 223(f)/Pur/Refin/ Nursing HmsHUD project name: Sterling Care Bel Air, 75 beds | $36,864,000 | Active: 5.85%, $36,864,000 balanceMatures Oct 1, 2061. Servicer: Capital Funding LLC | 05222169 |
Sources and dates
Facility, rating, staffing and ownership data: CMS Provider Information and CMS Ownership, processing date September 2026. Private equity, REIT and mortgage-interest flags and changes of ownership: CMS Skilled Nursing Facility All Owners and Change of Ownership files (2026-10-01). FHA-insured loans: HUD Office of Healthcare Programs endorsement database, data run July 8, 2026. How we join them, and what the join can get wrong: methodology.
SNF Register is independent. It is not affiliated with or endorsed by CMS, HUD or FHA. Spotted an error? Write to hello@hudskillednursing.loan.