130 Bower Ln, Forest Hill, MD 21050 Property Records

Harford County property record for 130 Bower Ln, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,836 sqft · built 2003
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on Record
Last Sale	$717,500 (Apr 2023)
Tax Bill	$7,284 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-356906`

Property Details

APN / Parcel Number

Primary APN	`03-356906`
Alternative APNs	`3356906` `356906`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,836 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	60,113 sqft (1.38 acres)
Garage Type	Built-in
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	356906
Street Address	130 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 19 1.38 AC 130 BOWER LANE COLVARD MANOR S2 P105/70
Legal Subdivision	SECTION II, COLVARD MANOR
Legal Lot Number	19
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 25, 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	130 BOWER LN, FOREST HILL, MD 21050-1749
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Deed, Transfer · Conventional Mortgage MORTGAGE ACCESS CORP
Oct 12, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2023 · Amount on Record
Deed Sale	Apr 25, 2023 · Amount on Record
Prior Sale	Aug 15, 2008
Deed Book / Page	15886 / 75
Prior Transfer Date	Aug 1, 2008
Prior Transfer Doc	0079120063
Record Updated	Oct 29, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Apr 25, 2023
Property Address	130 BOWER LN, FOREST HILL, MD 21050-1749
Document Number	0158860075
Book / Page	15886 / 75
Map Reference	MB 105 PG 70
Instrument Date	Apr 18, 2023
Transaction Type	Transfer
Record Updated	May 3, 2023
Title Company	HOMESALE SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,793.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	130 BOWER LN, FOREST HILL, MD 21050-1749
Investor	Possibly a Property Investor

Mortgage

Document Number	0158860082
Date	Apr 25, 2023
Instrument	15886-0082

Lender

Name	MORTGAGE ACCESS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2043

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	130 BOWER LN, FOREST HILL, MD 21050-1749
Document Number	0130500306
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	130 BOWER LN FOREST HILL MD 210501749, FOREST HILL, MD 21050-1749

Mortgage

Document Number	0130500306
Date	Nov 8, 2018
Book Page	013050/000306

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$7,284.00 (+8.44%)	$662,833 (+4.32%)	$717,700 (+12.95%) Land $168,800 Building $548,900
2025	$6,717.00 (+8.69%)	$635,400 (+8.39%) Land $168,800 Building $466,600	$635,400 (-) Land $168,800 Building $466,600
2023		$586,200	$635,400 Land $168,800 Building $466,600
2022	$6,180.00

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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