1727 Cosner Rd, Forest Hill, MD 21050 Property Records

Harford County property record for 1727 Cosner Rd, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,232 sqft · built 1998
Lot Size	3.61 acres (157,252 sqft)
Owner	2 Individual Names on Record
Last Sale	$34,000 (Dec 1997)
Tax Bill	$3,776 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-095421`

Property Details

APN / Parcel Number

Primary APN	`04-095421`
Alternative APNs	`4095421` `095421`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,232 sqft Total Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	157,252 sqft (3.61 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	192 sqft
Shed	1 Shed
Shed Area	864 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	095421
Street Address	1727 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 4 3.61 AC 1727 COSNER ROAD EST POLLY L SMITH P 92/1
Legal Subdivision	SMITH POLLY L ESTATE
Legal Lot Number	4
Jurisdiction	HARFORD MD
Township / Civil Division	4, MARSHALL
Census Block Group	4
Census Block	4008
Census Tract	304202

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	1727 COSNER RD, FOREST HILL, MD 21050-2214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 15, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 1997 · Amount on Record
Deed Sale	Dec 30, 1997 · Amount on Record
Prior Sale	Dec 30, 1997
Deed Document Number	1997276
Deed Book / Page	2612 / 716
Transfer Doc	0026120716
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1727 COSNER RD, FOREST HILL, MD 21050-2214
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149260459
Date	Jul 29, 2021
Book Page	14926/459

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1727 COSNER RD, FOREST HILL, MD 21050-2214
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0137950226
Date	Apr 15, 2020
Book Page	13795/226

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Feb 24, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1727 COSNER RD, FOREST HILL, MD 21050-2214
Document Number	0123720271
Instrument Date	May 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1727 COSNER RD FOREST HILL MD 210502214, FOREST HILL, MD 21050-2214

Mortgage

Document Number	0123720271
Date	Jun 6, 2017
Book Page	012372/000271

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2047

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	$3,776.00 (+9.1%) Homeowner's exemption	$341,033 (+4.43%)	$355,500 (-) Land $148,000 Building $207,500
2025	$3,461.00 (+4.88%) Homeowner's exemption	$326,567 (+7.18%)	$355,500 (+13.91%) Land $148,000 Building $207,500
2023		$304,700	$312,100 Land $148,000 Building $164,100
2022	$3,300.00

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
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

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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