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

Harford County property record for 298 Cherry Tree Sq, Forest Hill, MD 21050

Property Summary

Property TypeTownhouse
Details3 ba · 1,770 sqft · built 1996
Lot Size0.095 acres (4,130 sqft)
Owner2 Individual Names on Record
Last Sale$295,000 (Sep 2018)
Tax Bill$3,894 (2026)
Deeds & MortgagesMar 2020 Mortgage
Sep 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN03-303896

Property Details

APN / Parcel Number

Primary APN03-303896
Alternative APNs
  • 3303896
  • 303896

Interior

Full Baths3 Baths
Half Baths2 Half Baths
Stories2 Stories
Building Area1,770 sqft Total Area
Basement Area500 sqft
Finished Basement500 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area4,130 sqft (0.095 acres)
Garage TypeBasement
Garage Area220 sqft
Parking Spaces1 Parking Space
Deck Area220 sqft
Patio Area220 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Account Number303896
Street Address298 CHERRY TREE SQ
CityFOREST HILL
StateMD
Zip21050-3305
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeAG
Legal DescriptionLOT 166 4130 SF 298 CHERRY TREE SQUARE SPENCEOLA FRMS S2 P85/79
Legal SubdivisionSPENCEOLA FARMS
Legal Lot Number166
JurisdictionHARFORD MD
Township / Civil Division3, BEL AIR
Census Block Group2
Census Block2014
Census Tract303203

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address298 CHERRY TREE SQ, FOREST HILL, MD 21050-3305
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 12, 2020Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Sep 11, 2018Deed, Transfer · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 11, 2018 · Amount on Record
Deed SaleSep 11, 2018 · Amount on Record
Prior SaleMay 27, 2016 · Amount on Record
Deed Book / Page12976 / 438
Transfer Doc0000000222
Record UpdatedOct 29, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHARFORD MD
Property Address298 CHERRY TREE SQ, FOREST HILL, MD 21050-3305
Transaction TypeMortgage
Record UpdatedOct 26, 2022
Title CompanyEQUITY SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0137350279
DateMar 12, 2020
Book Page13735/279
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2050

September 2018: Deed, Transfer

Document TypeDeed
JurisdictionHARFORD MD
Recording DateSep 11, 2018
Property Address298 CHERRY TREE SQ, FOREST HILL, MD 21050-3305
Document Number0129760438
Book / Page12976 / 0438
Map ReferenceMB CGH85 FO79
Instrument DateAug 31, 2018
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanyUNIVERSAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,125.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address298 CHERRY TREE SQ, FOREST HILL, MD 21050-3305

Mortgage

Document Number0012976446
DateSep 11, 2018
Instrument12976/446
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2048

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyHarford County
Unified School DistrictHarford County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,894.00 (+8.62%)$357,367 (+13.98%)$383,300 (+11.3%) Land $80,000 Building $303,300
2025$3,585.00 (+10.38%)
2023$313,533$344,400 Land $72,500 Building $271,900
2022$3,248.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims1 (2011)
Claims Outside the SFHA1 of 1
Most Recent ClaimAug 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 RiskLow
lower than 97% of the US · lower than 94% of Maryland
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemHARFORD COUNTY D.P.W.
serves 104,567 people · EPA ID MD0120016
Water SourceSurface water
Last State InspectionJul 2024
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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