1981 Cullen Way, Forest Hill, MD 21050 Property Records

Harford County property record for 1981 Cullen Way, Forest Hill, MD 21050

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,188 sqft · built 2002
Lot Size	0.107 acres (4,658 sqft)
Owner	Individual Name on Record
Last Sale	$321,000 (Oct 2016)
Tax Bill	$4,334 (2026)
Deeds & Mortgages	Mar 2018 Line of Credit Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-343693`

Property Details

APN / Parcel Number

Primary APN	`03-343693`
Alternative APNs	`3343693` `343693`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,188 sqft Total Area
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,658 sqft (0.107 acres)
Garage Type	Mixed
Garage Area	228 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	75 sqft
Deck Area	350 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	343693
Street Address	1981 CULLEN WAY
City	FOREST HILL
State	MD
Zip	21050-1354
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2COS
Legal Description	LOT 79 4658 SF 1981 CULLEN WAY DEER SPRING PT 104/44
Legal Subdivision	DEER SPRING
Legal Lot Number	79
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2000
Census Tract	303203

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	Individual Name on Record
Mailing Address	1981 CULLEN WAY, FOREST HILL, MD 21050-1354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 25, 2021	Deed, Transfer · Conventional Mortgage FLORIDA CAPITAL BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2016 · Amount on Record
Deed Sale	Oct 26, 2016 · Amount on Record
Prior Sale	Oct 7, 2016 · Amount on Record
Deed Book / Page	12059 / 350
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1981 CULLEN WAY, FOREST HILL, MD 21050-1354
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0127480080
Date	Mar 23, 2018
Book Page	12748/0080

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Oct 25, 2021
Property Address	1981 CULLEN WAY, FOREST HILL, MD 21050-1354
Document Number	0151270266
Book / Page	15127 / 266
Map Reference	MB 104 FO 44
Instrument Date	Oct 13, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1981 CULLEN WAY, FOREST HILL, MD 21050-1354

Mortgage

Document Number	0015127270
Date	Oct 25, 2021
Instrument	15127/270

Lender

Name	FLORIDA CAPITAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

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	$4,334.00 (+10.42%) Homeowner's exemption	$397,733 (+14.68%)	$415,800 (+6.97%) Land $95,000 Building $320,800
2025	$3,925.00 (+10.53%) Homeowner's exemption
2023		$346,833	$388,700 Land $90,500 Building $298,200
2022	$3,551.00

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	3 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARFORD COUNTY D.P.W. serves 104,567 people · EPA ID MD0120016
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 408 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Armstrong.

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