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

Harford County property record for 291 Cherry Tree Sq, Forest Hill, MD 21050

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,300 sqft · built 1996
Lot Size	0.047 acres (2,040 sqft)
Owner	Individual Name on File
Last Sale	$131,000 (Jul 2000)
Tax Bill	$2,652 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-304299`

Property Details

APN / Parcel Number

Primary APN	`03-304299`
Alternative APNs	`3304299` `304299`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,300 sqft Total Area
Basement Area	350 sqft
Finished Basement	350 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	188 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	304299
Street Address	291 CHERRY TREE SQ
City	FOREST HILL
State	MD
Zip	21050-3304
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 161 2040 SF 291 CHERRY TREE SQUARE SPENCEOLA FRMS S2 P85/79
Legal Subdivision	SPENCEOLA FARMS 2 PH 1
Legal Lot Number	161
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2015
Census Tract	303203

Owner

Source: Harford County records · APN 03-304299

Assessment roll updated August 12, 2025 · Last verified August 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 File
Mailing Address	291 CHERRY TREE SQ, FOREST HILL, MD 21050-3304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 14, 2000 · Amount on Record
Deed Sale	Jul 14, 2000 · Amount on Record
Prior Sale	Jan 08, 1997 · Amount on Record
Deed Document Number	20009
Deed Book / Page	3297 / 486
Transfer Doc	0000000222
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	291 CHERRY TREE SQ, FOREST HILL, MD 21050-3304
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147540198
Date	May 17, 2021
Book Page	14754/198

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2036

Tax Assessment & Valuation

Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$265,433 (+14.25%)	$287,500 (+13.01%) Land $75,000 Building $212,500
2025	$2,652.00 (+1%) Homeowner's exemption
2023		$232,333	$254,400 Land $72,000 Building $182,400
2022	$2,411.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Harford County (24025C), updated October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240253032032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 533 locations within half a mile · Last verified October 2026

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.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	HARFORD COUNTY D.P.W. serves 104,567 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.