1806 Cosner Rd, Forest Hill, MD 21050 Property Records

Harford County property record for 1806 Cosner Rd, Forest Hill, MD 21050

Property Summary

Property Type	Rural Home
Details	3.5 ba · 4,309 sqft · built 2002
Lot Size	12.8 acres (557,568 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (May 2000)
Tax Bill	$7,590 (2026)
Deeds & Mortgages	Jun 2017 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-094433`

Property Details

APN / Parcel Number

Primary APN	`04-094433`
Alternative APNs	`4094433` `094433`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,309 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	557,568 sqft (12.8 acres)
Garage Type	Built-in
Garage Area	1,242 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	094433
Street Address	1806 COSNER RD
City	FOREST HILL
State	MD
Zip	21050-2212
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AG
Legal Description	LOT 5 12.80 AC 1806 COSNER ROAD GOOD RIDGE PT 87/62
Legal Subdivision	GOOD RIDGE
Legal Lot Number	5
Jurisdiction	HARFORD MD
Township / Civil Division	4, MARSHALL
Census Block Group	4
Census Block	4000
Census Tract	304202

Owner

1806 Cosner Rd, a rural home, is owned and occupied by two individuals who bought it in May 2000.

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	1806 COSNER RD, FOREST HILL, MD 21050-2212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2000 · Amount on File
Deed Sale	May 18, 2000 · Amount on File
Prior Sale	Jun 4, 1996
Deed Document Number	2000596
Deed Book / Page	3262 / 65
Transfer Doc	0000000564
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1806 COSNER RD, FOREST HILL, MD 21050-2212
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0123850389
Date	Jun 14, 2017
Book Page	12385/0389
Instrument	12385-0389

Lender

Name	PNC BANK NA
Type	Bank
Address	00000

Agreement

Type	Line of Credit
Amount	Amount on Record

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1806 COSNER RD, FOREST HILL, MD 21050-2212
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0145330206
Date	Mar 1, 2021
Book Page	14533/206

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2028
Change Frequency	Monthly
Min Rate At Change	3%
Max Rate At Change	7.62%
Index	Other
Margin	3
Max Rate	7.62%

Tax Assessment & Valuation

The 2026 property tax bill for 1806 Cosner Rd was $7,590 with a homeowner's exemption, up 13.1% 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	$7,590.00 (+13.11%) Homeowner's exemption	$690,933	$731,300 Land $132,200 Building $599,100
2025	$6,710.00 Homeowner's exemption
2023		$587,933	$610,200 Land $132,200 Building $478,000
2022	$6,225.00

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

Flood

FEMA maps place 1806 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 1806 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 34 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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