1725 Cosner Rd, Forest Hill, MD 21050 Property Records

Harford County property record for 1725 Cosner Rd, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,648 sqft · built 2006
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Jan 2010)
Tax Bill	$6,707 (2026)
Deeds & Mortgages	Jan 2018 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-095413`

Property Details

APN / Parcel Number

Primary APN	`04-095413`
Alternative APNs	`4095413` `095413`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,648 sqft Total Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	912 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	525 sqft
Deck Area	544 sqft
Patio Area	380 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	095413
Street Address	1725 COSNER RD
City	FOREST HILL
State	MD
Zip	21050-2214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LT 3 2 AC 1725 COSNER ROAD EST POLLY L SMITH P 92/1
Legal Subdivision	SMITH POLLY L ESTATE
Legal Lot Number	3
Jurisdiction	HARFORD MD
Township / Civil Division	4, MARSHALL
Census Block Group	4
Census Block	4008
Census Tract	304202

Owner

1725 Cosner Rd is owned and occupied by two individuals who bought it in January 2010.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1725 COSNER RD, FOREST HILL, MD 21050-2214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage 1ST MARINER BANK
Sep 11, 2019	Deed of Trust, Mortgage · ARM HOWARD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2010 · Amount on File
Deed Sale	Jan 29, 2010 · Amount on File
Prior Sale	Aug 30, 2005 · Amount on File
Deed Document Number	2010225
Deed Book / Page	8484 / 197
Transfer Doc	0000000172
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1725 COSNER RD, FOREST HILL, MD 21050-2214
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	GUARANTY TRUST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0126710324
Date	Jan 16, 2018
Book Page	12671/0324
Instrument	12671-0324

Lender

Name	1ST MARINER BANK
Type	Bank
Address	BALTIMORE, MD 21224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2033

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1725 COSNER RD, FOREST HILL, MD 21050-2214
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0134370302
Date	Sep 11, 2019
Book Page	13437/0302

Lender

Name	HOWARD BANK
Type	Bank
Address	BALTIMORE, MD 21224

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2034
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year CMT
Max Rate	8.62%

Tax Assessment & Valuation

The 2026 property tax bill for 1725 Cosner Rd was $6,707 with a homeowner's exemption, up 12.4% 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	$6,707.00 (+12.42%) Homeowner's exemption	$609,900 (+5.9%)	$643,900 (-) Land $140,000 Building $503,900
2025	$5,966.00 Homeowner's exemption	$575,900	$643,900 Land $140,000 Building $503,900
2023		$522,433	$541,900 Land $140,000 Building $401,900
2022	$5,541.00

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

Flood

FEMA maps place 1725 Cosner Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · 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 1725 Cosner Rd 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 44 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: BridgeMAXX Suncoast Broadband, Xfinity.

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