2011 Garden Dr, Forest Hill, MD 21050 Property Records

Harford County property record for 2011 Garden Dr, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,912 sqft · built 1997
Lot Size	0.275 acres (11,973 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,900 (Nov 2018)
Tax Bill	$5,745 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-309118`

Property Details

APN / Parcel Number

Primary APN	`03-309118`
Alternative APNs	`3309118` `309118`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,912 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,973 sqft (0.275 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	516 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	309118
Street Address	2011 GARDEN DR
City	FOREST HILL
State	MD
Zip	21050-3181
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 627 11973 SF 2011 GARDEN DRIVE FOREST LAKE S10 P 88/75
Legal Subdivision	PLAT THREE FOREST LAKE
Legal Lot Number	627
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1002
Census Tract	303204

Owner

Source: Harford County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2011 GARDEN DR, FOREST HILL, MD 21050-3181
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FEDERAL CREDIT UNION
Feb 24, 2022	Deed of Trust, Mortgage · Line of Credit FREEDOM FCU
Sep 9, 2020	Deed of Trust, Mortgage · FHA Mortgage NFM INC
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM FCU
Nov 28, 2018	Grant Deed, Transfer · FHA Mortgage CENTURY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2018 · Amount on Record
Deed Sale	Nov 28, 2018 · Amount on Record
Prior Sale	Jul 29, 2013 · Amount on Record
Deed Book / Page	13070 / 431
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Recording Date	Apr 2, 2026
Property Address	2011 GARDEN DR, FOREST HILL, MD 21050-3181
Document Number	0170670269
Book / Page	17067 / 269
Instrument Date	Mar 24, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	GETZ TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2011 GARDEN DR, FOREST HILL, MD 21050-3181

Mortgage

Document Number	1706000269,
Date	Apr 2, 2026
Book Page	17067/269

Lender

Name	ABERDEEN PROVING GROUND FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	5.98%
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2011 GARDEN DR, FOREST HILL, MD 21050-3181
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0153790355
Date	Feb 24, 2022
Book Page	15379/355

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2011 GARDEN DR, FOREST HILL, MD 21050-3181
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	MASTERS TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0140920491
Date	Sep 9, 2020
Book Page	14092/491

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2011 GARDEN DR, FOREST HILL, MD 21050-3181
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0153790335
Date	Feb 24, 2022
Book Page	15379/335

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2042

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Nov 28, 2018
Property Address	2011 GARDEN DR, FOREST HILL, MD 21050-3181
Document Number	0130700431
Book / Page	013070 / 000431
Instrument Date	Aug 29, 2018
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	DEFINITIVE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2011 GARDEN DR FOREST HILL MD 210503181, FOREST HILL, MD 21050-3181

Mortgage

Document Number	130700439
Date	Nov 28, 2018
Book Page	013070/000439

Lender

Name	CENTURY LNDG
Address	LOUISVILLE, KY 40223

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2048

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	$5,745.00 (+7.85%) Homeowner's exemption	$527,133 (+3.66%)	$564,400 (+10.99%) Land $116,400 Building $448,000
2025	$5,327.00 (+8.8%) Homeowner's exemption	$508,500 (+8.41%) Land $116,400 Building $392,100	$508,500 (-) Land $116,400 Building $392,100
2023		$469,033	$508,500 Land $116,400 Building $392,100
2022	$4,896.00

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 416 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: Armstrong.

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