2012 Garden Dr, Forest Hill, MD 21050 Property Records

Harford County property record for 2012 Garden Dr, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,389 sqft · built 1997
Lot Size	0.301 acres (13,094 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Apr 2015)
Tax Bill	$5,081 (2026)
Deeds & Mortgages	May 2021 Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-309185`

Property Details

APN / Parcel Number

Primary APN	`03-309185`
Alternative APNs	`3309185` `309185`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,389 sqft Total Area
Basement Area	630 sqft
Finished Basement	630 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,094 sqft (0.301 acres)
Garage Type	Built-in
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	168 sqft
Deck Area	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	309185
Street Address	2012 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 576 13094 SF 2012 GARDEN DRIVE FOREST LAKE S10 P 88/76
Legal Subdivision	FOREST LAKES
Legal Lot Number	576
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2012 GARDEN DR, FOREST HILL, MD 21050-3182
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Loan Assumption PENNYMAC LOAN SERVICES LLC
Oct 13, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2015 · Amount on Record
Deed Sale	Apr 3, 2015 · Amount on Record
Prior Sale	Aug 23, 1996 · Amount on Record
Deed Book / Page	11174 / 450
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2012 GARDEN DR, FOREST HILL, MD 21050-3182
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147230346
Date	May 4, 2021
Book Page	14723/346

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Loan Assumption
Amount	Amount Recorded
Term	287 Months
Due	Apr 1, 2045

Interest

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2012 GARDEN DR, FOREST HILL, MD 21050-3182
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150960265
Date	Oct 13, 2021
Book Page	15096/265

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

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	$5,081.00 (+7.56%)	$466,233 (+11.9%)	$498,100 (+10.62%) Land $116,700 Building $381,400
2025	$4,724.00 (+8.42%)
2023		$416,633	$450,300 Land $116,700 Building $333,600
2022	$4,357.00

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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