1823 Cosner Rd, Forest Hill, MD 21050 Property Records

Harford County property record for 1823 Cosner Rd, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 5,279 sqft · built 2005
Lot Size	2.06 acres (89,734 sqft)
Owner	2 Individual Names on Record
Last Sale	$746,000 (Nov 2019)
Tax Bill	$10,868 (2026)
Deeds & Mortgages	Feb 2020 Second Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-102983`

Property Details

APN / Parcel Number

Primary APN	`04-102983`
Alternative APN	`102983`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,279 sqft Total Area
Basement Area	1,892 sqft
Finished Basement	1,892 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	89,734 sqft (2.06 acres)
Garage Type	Built-in
Garage Area	928 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Slab
Porch Area	378 sqft
Patio Area	550 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	102983
Street Address	1823 COSNER RD
City	FOREST HILL
State	MD
Zip	21050-2211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 1 2.06 AC 1823 COSNER ROAD THE OVERLOOK PT 116/15
Legal Subdivision	FINAL PLAT THE OVERLOOK
Legal Lot Number	1
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1823 COSNER RD, FOREST HILL, MD 21050-2211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Sep 12, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Nov 22, 2019	Grant Deed, Transfer · Conventional Mortgage NFM LNDG
May 10, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMP CU/MD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2019 · Amount on Record
Deed Sale	Nov 22, 2019 · Amount on Record
Prior Sale	Nov 15, 2011 · Amount on Record
Deed Book / Page	13560 / 402
Transfer Doc	0000000117
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1823 COSNER RD, FOREST HILL, MD 21050-2211
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0136720286
Date	Feb 3, 2020
Book Page	13672/0286

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	ABINGDON, MD 21009

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2035

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1823 COSNER RD, FOREST HILL, MD 21050-2211
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	TERRAIN TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146410231
Date	Apr 6, 2021
Book Page	14641/231

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Feb 1, 2051

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1823 COSNER RD, FOREST HILL, MD 21050-2211
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1823 COSNER RD, FOREST HILL, MD 21050-2211

Mortgage

Document Number	0156670227
Date	Sep 12, 2022
Book Page	15667/227

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	ABINGDON, MD 21009

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 10, 2032

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Nov 22, 2019
Property Address	1823 COSNER RD, FOREST HILL, MD 21050-2211
Document Number	0135600402
Book / Page	013560 / 000402
Instrument Date	Nov 14, 2019
Transaction Type	Transfer
Record Updated	Dec 9, 2019
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$746.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1823 COSNER RD FOREST HILL MD 210502211, FOREST HILL, MD 21050-2211

Mortgage

Document Number	135600409
Date	Nov 22, 2019
Book Page	013560/000409

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1823 COSNER RD, FOREST HILL, MD 21050-2211
Document Number	0123580039
Book / Page	012358 / 000039
Instrument Date	May 10, 2017
Transaction Type	Mortgage
Record Updated	Jun 2, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1823 COSNER RD FOREST HILL MD 210502211, FOREST HILL, MD 21050-2211

Mortgage

Document Number	0123580039
Date	May 24, 2017
Book Page	012358/000039

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	LINTHICUM, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 23, 2032

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	$10,868.00 (+14.2%) Homeowner's exemption	$991,667 (+19.69%)	$1,053,500 (+21.37%) Land $140,300 Building $913,200
2025	$9,517.00 (+10.15%) Homeowner's exemption
2023		$828,533	$868,000 Land $140,300 Building $727,700
2022	$8,640.00

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 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 (outdoors only) and 4G LTE

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