277 Cherry Tree Sq, Forest Hill, MD 21050 Property Records

Harford County property record for 277 Cherry Tree Sq, Forest Hill, MD 21050

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,318 sqft · built 1996
Lot Size	0.073 acres (3,162 sqft)
Owner	Individual Name on Record
Last Sale	$174,000 (Aug 2003)
Tax Bill	$2,508 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-304213`

Property Details

APN / Parcel Number

Primary APN	`03-304213`
Alternative APNs	`3304213` `304213`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,318 sqft Total Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,162 sqft (0.073 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	304213
Street Address	277 CHERRY TREE SQ
City	FOREST HILL
State	MD
Zip	21050-3304
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	AG
Legal Description	LOT 154 3162 SF 277 CHERRY TREE SQUARE SPENCEOLA FRMS S2 P85/79
Legal Subdivision	SPENCEOLA FARMS
Legal Lot Number	154
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2015
Census Tract	303203

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	Individual Name on Record
Mailing Address	277 CHERRY TREE SQ, FOREST HILL, MD 21050-3304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2003 · Amount on Record
Deed Sale	Aug 20, 2003 · Amount on Record
Prior Sale	Jan 6, 1997 · Amount on Record
Deed Document Number	2003252
Deed Book / Page	4827 / 183
Transfer Doc	0000000222
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	277 CHERRY TREE SQ, FOREST HILL, MD 21050-3304
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0121720105
Date	Jan 6, 2017
Book Page	12172/0105
Instrument	12172-0105

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2037

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	277 CHERRY TREE SQ, FOREST HILL, MD 21050-3304
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149330474
Date	Aug 2, 2021
Book Page	14933/474

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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		$251,800 (+14.51%)	$274,400 (+14.1%) Land $80,000 Building $194,400
2025	$2,508.00 (+9.81%) Homeowner's exemption
2023		$219,900	$240,500 Land $72,500 Building $168,000
2022	$2,284.00

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	3 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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 97% of the US · lower than 94% 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 533 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Armstrong.

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