117 Bower Ln, Forest Hill, MD 21050 Property Records

Harford County property record for 117 Bower Ln, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,800 sqft · built 2003
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$810,000 (May 2023)
Tax Bill	$7,688 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-365662`

Property Details

APN / Parcel Number

Primary APN	`03-365662`
Alternative APN	`365662`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,800 sqft Total Area
Basement Area	1,285 sqft
Finished Basement	1,285 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	47,916 sqft (1.1 acres)
Garage Type	Mixed
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	365662
Street Address	117 BOWER LN
City	FOREST HILL
State	MD
Zip	21050-1750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 9 1.10 AC 117 BOWER LANE COLVARD MANOR S2 P110/83
Legal Subdivision	COLVARD MANOR SEC 02
Legal Lot Number	9
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	3
Census Block	3007
Census Tract	303201

Owner

117 Bower Ln is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	117 BOWER LN, FOREST HILL, MD 21050-1750
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
May 30, 2023	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage GSF MORTGAGE CORP
Jun 12, 2018	Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2023 · Amount on File
Deed Sale	May 30, 2023 · Amount on File
Prior Sale	Jun 12, 2018 · Amount on File
Deed Book / Page	15919 / 177
Transfer Doc	0000002103
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	May 30, 2023
Property Address	117 BOWER LN, FOREST HILL, MD 21050-1750
Document Number	0159190177
Book / Page	15919 / 177
Map Reference	MB 110 PG 83
Instrument Date	May 17, 2023
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	BROADVIEW TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 BOWER LN, FOREST HILL, MD 21050-1750

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0159190183
Date	May 30, 2023
Instrument	15919-0183

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	Other
Max Rate	10.8%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	117 BOWER LN, FOREST HILL, MD 21050-1750
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	CROWN TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138700317
Date	May 26, 2020
Book Page	13870/317

Lender

Name	GSF MORTGAGE CORP
Type	Mortgage Company
Address	BROOKFIELD, WI 53005

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2045

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 12, 2018
Property Address	117 BOWER LN, FOREST HILL, MD 21050-1750
Document Number	0128550322
Book / Page	12855 / 0322
Map Reference	MB110 PG83
Instrument Date	May 31, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 BOWER LN, FOREST HILL, MD 21050-1750

Mortgage

Document Number	0012855330
Date	Jun 12, 2018
Instrument	12855/330

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 117 Bower Ln was $7,688 with a homeowner's exemption, up 12.8% 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	$7,688.00 (+12.76%) Homeowner's exemption	$699,900	$808,900 Land $166,000 Building $642,900
2025	$6,818.00 Homeowner's exemption
2023		$594,800	$645,400 Land $166,000 Building $479,400
2022	$6,266.00

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

Flood

FEMA maps place 117 Bower Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.

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

Wildfire risk around 117 Bower Ln is low, with 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 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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