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

Harford County property record for 285 Cherry Tree Sq, Forest Hill, MD 21050

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,298 sqft · built 1996
Lot Size	0.047 acres (2,040 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Jan 2025)
Tax Bill	$2,756 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-304264`

Property Details

APN / Parcel Number

Primary APN	`03-304264`
Alternative APNs	`3304264` `304264`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,298 sqft Total Area
Basement Area	475 sqft
Finished Basement	475 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,040 sqft (0.047 acres)
Deck Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	304264
Street Address	285 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 158 2040 SF 285 CHERRY TREE SQUARE SPENCEOLA FRMS S2 P85/79
Legal Subdivision	SPENCEOLA FARMS
Legal Lot Number	158
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2015
Census Tract	303203

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	285 CHERRY TREE SQ, FOREST HILL, MD 21050-3304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Feb 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Jun 5, 2019	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 7, 2025 · Amount on Record
Deed Sale	Jan 7, 2025 · Amount on Record
Prior Sale	Jun 5, 2019 · Amount on Record
Transfer Doc	0000000222
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	285 CHERRY TREE SQ, FOREST HILL, MD 21050-3304
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CROWN TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151540069
Date	Nov 3, 2021
Book Page	15154/69

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	285 CHERRY TREE SQ, FOREST HILL, MD 21050-3304
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CROWN TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0137130022
Date	Feb 27, 2020
Book Page	13713/22

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 5, 2019
Property Address	285 CHERRY TREE SQ, FOREST HILL, MD 21050-3304
Document Number	0132920369
Book / Page	13292 / 0369
Map Reference	MB CGH 85 FO 79
Instrument Date	Jun 3, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CROWN TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	285 CHERRY TREE SQ, FOREST HILL, MD 21050-3304

Mortgage

Document Number	0013292375
Date	Jun 5, 2019
Instrument	13292/375

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

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		$293,533 (+21.76%)	$351,000 (+32.55%) Land $75,000 Building $276,000
2025	$2,756.00 (+10.33%) Homeowner's exemption
2023		$241,067	$264,800 Land $72,000 Building $192,800
2022	$2,498.00

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

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 USA Fixed Wireless	100 / 20

May also be available: Armstrong Holdings.

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