112 Bower Ln, Forest Hill, MD 21050 Property Records

Harford County property record for 112 Bower Ln, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,456 sqft · built 2003
Lot Size	1.22 acres (53,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$885,000 (May 2026)
Tax Bill	$6,333 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-357031`

Property Details

APN / Parcel Number

Primary APN	`03-357031`
Alternative APNs	`3357031` `357031`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,456 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	53,143 sqft (1.22 acres)
Garage Type	Built-in
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	357031
Street Address	112 BOWER LN
City	FOREST HILL
State	MD
Zip	21050-1749
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 15 1.22 AC 112 BOWER LANE COLVARD MANOR S2 P105/71
Legal Subdivision	COLVARD MANOR
Legal Lot Number	15
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	3
Census Block	3007
Census Tract	303201

Owner

Source: Harford County records, as of August 18, 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	112 BOWER LN, FOREST HILL, MD 21050-1749
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC
Jun 21, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2026 · Amount on Record
Deed Sale	May 22, 2026 · Amount on Record
Prior Sale	Jun 21, 2022 · Amount on Record
Deed Document Number	2026
Deed Book / Page	17134 / 32
Prior Transfer Date	Jun 13, 2022
Prior Transfer Doc	0155630031
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	May 22, 2026
Property Address	112 BOWER LN, FOREST HILL, MD 21050-1749
Document Number	1713000032
Book / Page	17134 / 32
Instrument Date	May 19, 2026
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$893,850.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	112 BOWER LN, FOREST HILL, MD 21050-1749

Mortgage

Document Number	1713000040,
Date	May 22, 2026
Book Page	17134/40

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	Jun 21, 2022
Property Address	112 BOWER LN, FOREST HILL, MD 21050-1749
Document Number	0155630031
Book / Page	15563 / 31
Map Reference	MB 105 FO 71
Instrument Date	Jun 13, 2022
Transaction Type	Transfer
Record Updated	Jun 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	112 BOWER LN, FOREST HILL, MD 21050-1749

Mortgage

Document Number	0155630038
Date	Jun 21, 2022
Instrument	15563-0038

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2037

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

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		$624,400 (+4.36%)	$676,600 (+13.09%) Land $167,200 Building $509,400
2025	$6,333.00 (+8.5%) Homeowner's exemption	$598,300 (+8.22%) Land $167,200 Building $431,100	$598,300 (-) Land $167,200 Building $431,100
2023		$552,833	$598,300 Land $167,200 Building $431,100
2022	$5,837.00

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
Nearby Flood Claims	1 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2005 · rainfall accumulation

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20
Verizon Fiber	980 / 880

May also be available: T-Mobile, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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