2231 Gibson Rd, Forest Hill, MD 21050 Property Records

Harford County property record for 2231 Gibson Rd, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,258 sqft · built 1995
Lot Size	1.96 acres (85,378 sqft)
Owner	2 Individual Names on File
Last Sale	$584,000 (Jul 2021)
Tax Bill	$6,060 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-065278`

Property Details

APN / Parcel Number

Primary APN	`03-065278`
Alternative APNs	`3065278` `065278`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,258 sqft Total Area
Basement Area	855 sqft
Finished Basement	855 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	85,378 sqft (1.96 acres)
Garage Type	Built-in
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	170 sqft
Deck Area	504 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	065278
Street Address	2231 GIBSON RD
City	FOREST HILL
State	MD
Zip	21050-1924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	1.96 AC 2231 GIBSON ROAD N E OF HICKORY
Legal Subdivision	EMERSON JAMES E LANDS
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1011
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

2231 Gibson Rd is owned and occupied by two individuals who bought it in July 2021.

Source: Harford County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2231 GIBSON RD, FOREST HILL, MD 21050-1924
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2021 · Amount on File
Deed Sale	Jul 26, 2021 · Amount on File
Prior Sale	Oct 13, 1999 · Amount on File
Deed Book / Page	14916 / 334
Transfer Doc	2225000196
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARFORD MD
Recording Date	Jul 26, 2021
Property Address	2231 GIBSON RD, FOREST HILL, MD 21050-1924
Document Number	0149160334
Book / Page	14916 / 334
Instrument Date	Jul 8, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	POWERHOUSE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2231 GIBSON RD, FOREST HILL, MD 21050-1924

Mortgage

Document Number	0014916343
Date	Jul 26, 2021
Instrument	14916/343

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 2231 Gibson Rd was $6,060 with a homeowner's exemption, up 48.4% from the year before.

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	$6,060.00 (+48.42%) Homeowner's exemption	$550,533 (+1.26%)	$564,200 (+3.77%) Land $116,300 Building $447,900
2025	$4,083.00 Homeowner's exemption	$543,700 Land $116,300 Building $427,400	$543,700 Land $116,300 Building $427,400
2023		$402,233	$543,700 Land $116,300 Building $427,400
2022	$3,673.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2231 Gibson Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2231 Gibson Rd is low, with a 0.01% annual chance of 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