2218 Gibson Rd, Forest Hill, MD 21050 Property Records

Harford County property record for 2218 Gibson Rd, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,526 sqft · built 1996
Lot Size	3.25 acres (141,570 sqft)
Owner	2 Individual Names on Record
Last Sale	$60,000 (Aug 1995)
Tax Bill	$4,696 (2026)
Deeds & Mortgages	Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-238938`

Property Details

APN / Parcel Number

Primary APN	`03-238938`
Alternative APNs	`3238938` `238938`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,526 sqft Total Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	141,570 sqft (3.25 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	464 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	238938
Street Address	2218 GIBSON RD
City	FOREST HILL
State	MD
Zip	21050-1925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 3 3.259 AC 2218 GIBSON ROAD BEL AIR CH NAZ P 61/19
Legal Subdivision	BEL AIR CHURCH NAZARENE
Legal Lot Number	3
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1012
Census Tract	303101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lower Deer Creek Valley Historic District listed 1993 · 275 contributing resources · NRIS 93001143

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2218 GIBSON RD, FOREST HILL, MD 21050-1925
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 1995 · Amount on Record
Deed Sale	Aug 24, 1995 · Amount on Record
Prior Sale	Feb 14, 1989 · Amount on Record
Deed Document Number	1995227
Deed Book / Page	2282 / 441
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2218 GIBSON RD, FOREST HILL, MD 21050-1925
Document Number	0130330058
Instrument Date	Oct 4, 2018
Transaction Type	Mortgage
Record Updated	Nov 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2218 GIBSON RD FOREST HILL MD 210501925, FOREST HILL, MD 21050-1925

Mortgage

Document Number	0130330058
Date	Oct 24, 2018
Book Page	013033/000058

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2048

Interest

Rate Type	Adjustable Rate

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	$4,696.00 (+7.85%) Homeowner's exemption	$425,367 (+12.63%)	$437,700 (+4.41%) Land $122,900 Building $314,800
2025	$4,354.00 (+10.26%) Homeowner's exemption
2023		$377,667	$419,200 Land $122,900 Building $296,300
2022	$3,949.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20