2039 River Downs Ct, Forest Hill, MD 21050 Property Records

Harford County property record for 2039 River Downs Ct, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,346 sqft · built 1998
Lot Size	0.394 acres (17,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Apr 2016)
Tax Bill	$4,886 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-322874`

Property Details

APN / Parcel Number

Primary APN	`03-322874`
Alternative APNs	`3322874` `322874`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,346 sqft Total Area
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	17,148 sqft (0.394 acres)
Garage Type	Mixed
Garage Area	220 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	140 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	322874
Street Address	2039 RIVER DOWNS CT
City	FOREST HILL
State	MD
Zip	21050-3142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2COS
Legal Description	LT 650 17178 SF 2039 RIVER DOWNS COURT FOREST LAKE S11 P 92/39
Legal Subdivision	FOREST LAKES
Legal Lot Number	650
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 August 18, 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	2039 RIVER DOWNS CT, FOREST HILL, MD 21050-3142
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2016 · Amount on Record
Deed Sale	Apr 21, 2016 · Amount on Record
Prior Sale	Dec 24, 1997 · Amount on Record
Deed Book / Page	11761 / 372
Last Transfer Date	Jul 1, 2020
Transfer Doc	0140250392
Record Updated	Sep 20, 2026

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 7, 2020
Property Address	2039 RIVER DOWNS CT, FOREST HILL, MD 21050-3142
Document Number	0140250392
Book / Page	014025 / 000392
Instrument Date	Jul 1, 2020
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	MASTERS TITLE AND ESCROW, MASTERS TITLE & ESCROW

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2039 RIVER DOWNS CT FOREST HILL MD 210503142, FOREST HILL, MD 21050-3142

Mortgage

Document Number	140250395
Date	Aug 7, 2020
Book Page	014025/000395

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 6, 2035

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

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		$482,467 (+3.56%)	$515,600 (+10.67%) Land $117,500 Building $398,100
2025	$4,886.00 (+8.48%) Homeowner's exemption	$465,900 (+8.14%) Land $117,500 Building $348,400	$465,900 (-) Land $117,500 Building $348,400
2023		$430,833	$465,900 Land $117,500 Building $348,400
2022	$4,504.00

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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