2004 Garden Dr, Forest Hill, MD 21050 Property Records

Harford County property record for 2004 Garden Dr, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,228 sqft · built 1998
Lot Size	0.187 acres (8,163 sqft)
Owner	Individual Name on Record
Last Sale	$620,000 (Sep 2024)
Tax Bill	$5,053 (2026)
Deeds & Mortgages	Apr 2021 Line of Credit Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-309053`

Property Details

APN / Parcel Number

Primary APN	`03-309053`
Alternative APNs	`3309053` `309053`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,228 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,163 sqft (0.187 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	309053
Street Address	2004 GARDEN DR
City	FOREST HILL
State	MD
Zip	21050-3182
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 592 8163 SF 2004 GARDEN DRIVE FOREST LAKE S10 P 88/75
Legal Subdivision	FOREST LAKES 03 SEC 10 PH 01
Legal Lot Number	592
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1003
Census Tract	303204

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	2004 GARDEN DR, FOREST HILL, MD 21050-3182
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Sep 30, 2022	Deed of Trust, Mortgage · ARM PEOPLES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2024 · Amount on Record
Deed Sale	Sep 3, 2024 · Amount on Record
Prior Sale	Jun 29, 1998 · Amount on Record
Deed Book / Page	16372 / 463
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2004 GARDEN DR, FOREST HILL, MD 21050-3182
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146930003
Date	Apr 23, 2021
Book Page	14693/3

Lender

Name	PEOPLES BANK
Type	Bank
Address	BEL AIR, MD 21014

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2004 GARDEN DR, FOREST HILL, MD 21050-3182
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	MID ATLANTIC TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0156890316
Date	Sep 30, 2022
Book Page	15689/316

Lender

Name	PEOPLES BANK
Type	Bank
Address	YORK, PA 17407

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Margin	3
Max Rate	10.7%

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	$5,053.00 (+17.59%)	$463,633 (+22.15%)	$572,700 (+39.99%) Land $115,700 Building $457,000
2025	$4,297.00 (+8.1%)
2023		$379,567	$409,100 Land $115,700 Building $293,400
2022	$3,975.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 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.

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 533 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

May also be available: Armstrong.

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