2043 River Downs Ct, Forest Hill, MD 21050 Property Records

Harford County property record for 2043 River Downs Ct, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,360 sqft · built 1998
Lot Size	0.2 acres (8,701 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Sep 2008)
Tax Bill	$4,841 (2026)
Deeds & Mortgages	Aug 2021 Mortgage May 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`03-322890`

Property Details

APN / Parcel Number

Primary APN	`03-322890`
Alternative APNs	`3322890` `322890`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,360 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	8,701 sqft (0.2 acres)
Garage Type	Mixed
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	384 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	322890
Street Address	2043 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 652 8701 SF 2043 RIVER DOWNS COURT FOREST LAKE S11 P 92/39
Legal Subdivision	FOREST LAKES
Legal Lot Number	652
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 25, 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	2043 RIVER DOWNS CT, FOREST HILL, MD 21050-3142
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
May 22, 2018	Loan Modification, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2008 · Amount on Record
Deed Sale	Sep 15, 2008 · Amount on Record
Prior Sale	Nov 4, 2004 · Amount on Record
Deed Document Number	2008314
Deed Book / Page	7935 / 111
Transfer Doc	0000002504
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2043 RIVER DOWNS CT, FOREST HILL, MD 21050-3142
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2043 RIVER DOWNS CT, FOREST HILL, MD 21050-3142

Mortgage

Document Number	0149430355
Date	Aug 6, 2021
Book Page	14943/355

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Jul 1, 2048

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARFORD MD
Property Address	2043 RIVER DOWNS CT, FOREST HILL, MD 21050-3142
Document Number	0128800370
Instrument Date	May 22, 2018
Transaction Type	Mortgage
Record Updated	Jul 11, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2043 RIVER DOWNS CT FOREST HILL MD 210503142, FOREST HILL, MD 21050-3142

Mortgage

Document Number	0128800370
Date	Jun 27, 2018
Book Page	012880/000370

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2048

Interest

Rate	4.62%

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	$4,841.00 (+7.43%) Homeowner's exemption	$444,200 (+11.69%)	$474,000 (+10.41%) Land $115,800 Building $358,200
2025	$4,506.00 (+8.27%) Homeowner's exemption
2023		$397,700	$429,300 Land $115,800 Building $313,500
2022	$4,162.00

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 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 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 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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