1915 Cosner Rd, Forest Hill, MD 21050 Property Records

Harford County property record for 1915 Cosner Rd, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,154 sqft · built 1860
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$489,900 (Oct 2014)
Tax Bill	$6,062 (2026)
Deeds & Mortgages	Apr 2019 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-397055`

Property Details

APN / Parcel Number

Primary APN	`04-397055`
Alternative APN	`397055`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,154 sqft Total Area
Basement Area	1,692 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)

Exterior Amenities

Porch	Slab
Porch Area	390 sqft
Shed	1 Shed
Shed Area	846 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	397055
Street Address	1915 COSNER RD
City	FOREST HILL
State	MD
Zip	21050-2209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 5 2 ACRES 1915 COSNER ROAD THE OVERLOOK PT 138/44
Legal Subdivision	OVERLOOK
Legal Lot Number	5
Jurisdiction	HARFORD MD
Township / Civil Division	4, MARSHALL
Census Block Group	4
Census Block	4008
Census Tract	304202

Owner

1915 Cosner Rd is owned and occupied by two individuals who bought it in October 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	1915 COSNER RD, FOREST HILL, MD 21050-2209
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
Apr 10, 2019	Deed of Trust, Mortgage · Line of Credit FREEDOM FCU
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM FCU
Jun 17, 2022	Deed of Trust, Mortgage · Line of Credit FREEDOM FCU
Apr 24, 2020	Deed of Trust, Mortgage · Line of Credit FREEDOM FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2014 · Amount on File
Deed Sale	Oct 7, 2014 · Amount on File
Prior Sale	Apr 25, 2012 · Amount on File
Deed Book / Page	10938 / 108
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1915 COSNER RD, FOREST HILL, MD 21050-2209
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0132200149
Date	Apr 10, 2019
Book Page	13220/0149

Lender

Name	FREEDOM FCU
Type	Credit Union
Address	BEL AIR, MD 21014

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1915 COSNER RD, FOREST HILL, MD 21050-2209
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138270115
Date	May 1, 2020
Book Page	13827/115

Lender

Name	FREEDOM FCU
Type	Credit Union
Address	BEL AIR, MD 21015

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2035

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1915 COSNER RD, FOREST HILL, MD 21050-2209
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0155590149
Date	Jun 17, 2022
Book Page	15559/149

Lender

Name	FREEDOM FCU
Type	Credit Union
Address	BEL AIR, MD 21014

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1915 COSNER RD, FOREST HILL, MD 21050-2209
Document Number	0138270135
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1915 COSNER RD FOREST HILL MD 210502209, FOREST HILL, MD 21050-2209

Mortgage

Document Number	0138270135
Date	May 1, 2020
Book Page	013827/000135

Lender

Name	FREEDOM FCU
Type	Credit Union
Address	BEL AIR, MD 21014

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 30, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1915 Cosner Rd was $6,062 with a homeowner's exemption, up 10.1% 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	$6,062.00 (+10.14%) Homeowner's exemption	$550,767	$576,400 Land $140,000 Building $436,400
2025	$5,504.00 Homeowner's exemption
2023		$482,700	$499,500 Land $140,000 Building $359,500
2022	$5,137.00

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

Flood

FEMA maps place 1915 Cosner Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 1915 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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