1906 Phillips Mill Rd, Forest Hill, MD 21050 Property Records

Harford County property record for 1906 Phillips Mill Rd, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 2,928 sqft · built 1986
Lot Size	2.14 acres (93,218 sqft)
Owner	2 Individual Names on File
Last Sale	$743,000 (Feb 2022)
Tax Bill	$6,879 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Apr 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-049128`

Property Details

APN / Parcel Number

Primary APN	`04-049128`
Alternative APNs	`4049128` `049128`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,928 sqft Total Area
Basement Area	970 sqft
Finished Basement	970 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	93,218 sqft (2.14 acres)
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Slab
Porch Area	334 sqft
Deck Area	510 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	049128
Street Address	1906 PHILLIPS MILL RD
City	FOREST HILL
State	MD
Zip	21050-2100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 2 2.14 ACRES 1906 PHILLIPS MILL ROAD LD OF F D POLK P 44/86
Legal Subdivision	FRANCIS D POLK
Legal Lot Number	2
Jurisdiction	HARFORD MD
Township / Civil Division	4, MARSHALL
Census Block Group	4
Census Block	4001
Census Tract	304202

Owner

1906 Phillips Mill Rd is owned and occupied by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1906 PHILLIPS MILL RD, FOREST HILL, MD 21050-2100
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2022	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Apr 7, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Feb 11, 2022	Deed, Transfer · Conventional Mortgage US MUTUAL HOME LOANS INC
Jul 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE EMP CU/MD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2022 · Amount on File
Deed Sale	Feb 11, 2022 · Amount on File
Prior Sale	Feb 11, 1985 · Amount on File
Deed Book / Page	15364 / 69
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1906 PHILLIPS MILL RD, FOREST HILL, MD 21050-2100
Transaction Type	Mortgage
Record Updated	Oct 19, 2022
Title Company	RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0156940328
Date	Oct 5, 2022
Book Page	15694/328

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1906 PHILLIPS MILL RD, FOREST HILL, MD 21050-2100
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146450025
Date	Apr 7, 2021
Book Page	14645/25

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Feb 11, 2022
Property Address	1906 PHILLIPS MILL RD, FOREST HILL, MD 21050-2100
Document Number	0153640069
Book / Page	15364 / 69
Map Reference	MB HDC 44 FO 86
Instrument Date	Jan 28, 2022
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	BLACK OAK TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	3105 MOORES RD, BALDWIN, MD 21013-9539

Mortgage

Document Number	0001536474
Date	Feb 11, 2022
Instrument	15364/74

Lender

Name	US MUTUAL HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1906 PHILLIPS MILL RD, FOREST HILL, MD 21050-2100
Document Number	0124340141
Book / Page	012434 / 000141
Instrument Date	Jul 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 1, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1906 PHILLIPS MILL RD FOREST HILL MD 210502100, FOREST HILL, MD 21050-2100

Mortgage

Document Number	0124340141
Date	Jul 20, 2017
Book Page	012434/000141

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 19, 2027

Tax Assessment & Valuation

The 2026 property tax bill for 1906 Phillips Mill Rd was $6,879, up 34.3% 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	$6,879.00 (+34.33%)	$625,733 (+14.8%)	$706,400 (-) Land $140,700 Building $565,700
2025	$5,121.00	$545,067	$706,400 Land $140,700 Building $565,700
2023		$448,433	$464,400 Land $140,700 Building $323,700
2022	$4,773.00

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

Flood

FEMA maps place 1906 Phillips Mill 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 1906 Phillips Mill 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 37 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.

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