1985 Cullen Way, Forest Hill, MD 21050 Property Records

Harford County property record for 1985 Cullen Way, Forest Hill, MD 21050

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,840 sqft · built 2002
Lot Size	0.069 acres (3,000 sqft)
Owner	2 Individual Names on File
Last Sale	$297,500 (May 2018)
Tax Bill	$3,918 (2026)
Deeds & Mortgages	May 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-343677`

Property Details

APN / Parcel Number

Primary APN	`03-343677`
Alternative APNs	`3343677` `343677`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,840 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,000 sqft (0.069 acres)
Garage Type	Built-in
Garage Area	209 sqft
Parking Spaces	1 Parking Space
Deck Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	343677
Street Address	1985 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 77 3000 SF 1985 CULLEN WAY DEER SPRING PT 104/44
Legal Subdivision	DEER SPRING
Legal Lot Number	77
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2000
Census Tract	303203

Owner

1985 Cullen Way, a townhouse, is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1985 CULLEN WAY, FOREST HILL, MD 21050-1354
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
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jun 1, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST HOME MORTGAGE CORP
May 24, 2018	Deed, Transfer · VA Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2018 · Amount on File
Deed Sale	May 24, 2018 · Amount on File
Prior Sale	Jul 10, 2009 · Amount on File
Deed Book / Page	12831 / 493
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1985 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	0147790054
Date	May 27, 2021
Book Page	14779/54

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	BOSTON, MA 2123

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jun 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1985 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	0138800098
Date	Jun 1, 2020
Book Page	13880/98

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	May 24, 2018
Property Address	1985 CULLEN WAY, FOREST HILL, MD 21050-1354
Document Number	0128310493
Book / Page	12831 / 0493
Map Reference	MB104 FO44
Instrument Date	May 18, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE OF MARYLAND

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,162.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1985 CULLEN WAY, FOREST HILL, MD 21050-1354

Mortgage

Document Number	0012831498
Date	May 24, 2018
Instrument	12831/498

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 1985 Cullen Way was $3,918, up 8.7% 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	$3,918.00 (+8.65%)	$359,533	$380,400 Land $90,000 Building $290,400
2025	$3,606.00
2023		$312,700	$349,100 Land $90,000 Building $259,100
2022	$3,209.00

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

Flood

FEMA maps place 1985 Cullen Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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

Wildfire risk around 1985 Cullen Way 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	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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