Harford County property record for 294 Cherry Tree Sq, Forest Hill, MD 21050
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 1,578 sqft · built 1996 |
| Lot Size | 0.054 acres (2,360 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $322,000 (Jul 2021) |
| Tax Bill | $3,274 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Jul 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-303926 |
| Primary APN | 03-303926 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,578 sqft Total Area |
| Basement Area | 425 sqft |
| Finished Basement | 425 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,360 sqft (0.054 acres) |
| Garage Type | Basement |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 210 sqft |
| Patio Area | 210 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 303926 |
|---|---|
| Street Address | 294 CHERRY TREE SQ |
| City | FOREST HILL |
| State | MD |
| Zip | 21050-3305 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | AG |
| Legal Description | LOT 168 2360 SF 294 CHERRY TREE SQUARE SPENCEOLA FRMS S2 P85/79 |
| Legal Subdivision | SPENNCEOLA FARMS |
| Legal Lot Number | 168 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 303203 |
Source: Harford County records · APN 03-303926
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 294 CHERRY TREE SQ, FOREST HILL, MD 21050-3305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 15, 2021 | Deed, Transfer · Conventional Mortgage NFM INC |
| Jul 10, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 15, 2021 · Amount on Record |
| Deed Sale | Jul 15, 2021 · Amount on Record |
| Prior Sale | Jul 16, 2010 · Amount on Record |
| Deed Book / Page | 14898 / 274 |
| Transfer Doc | 0000000222 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jul 15, 2021 |
| Property Address | 294 CHERRY TREE SQ, FOREST HILL, MD 21050-3305 |
| Document Number | 0148980274 |
| Book / Page | 14898 / 274 |
| Map Reference | MB CGH 85 FO 79 |
| Instrument Date | Jun 30, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Title Company | BLACK OAK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 294 CHERRY TREE SQ, FOREST HILL, MD 21050-3305 |
| Document Number | 0014898280 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 14898/280 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 294 CHERRY TREE SQ, FOREST HILL, MD 21050-3305 |
| Document Number | 0139890353 |
| Instrument Date | Jul 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2020 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Address | 294 CHERRY TREE SQ FOREST HILL MD 210503305, FOREST HILL, MD 21050-3305 |
| Document Number | 0139890353 |
|---|---|
| Date | Jul 23, 2020 |
| Book Page | 013989/000353 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
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 | $327,300 (+13.91%) | $354,700 (+13.11%) Land $75,000 Building $279,700 | |
| 2025 | $3,274.00 (+9.57%) Homeowner's exemption | ||
| 2023 | $287,333 | $313,600 Land $72,000 Building $241,600 | |
| 2022 | $2,988.00 |
Source: FEMA National Flood Hazard Layer, Harford County (24025C), as of October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240253032032, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · 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.
Based on FCC filings for 533 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MD0120016, as of 2026 Q3 · EPA water system boundaries as of 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 |
| 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.
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