Harford County property record for 728 Laurel Rd, Forest Hill, MD 21050
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 1,854 sqft · built 1998 |
| Lot Size | 0.186 acres (8,101 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $600,000 (Jul 2024) |
| Tax Bill | $4,806 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Jun 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-316254 |
| Primary APN | 03-316254 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,854 sqft Total Area |
| Basement Area | 780 sqft |
| Finished Basement | 780 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,101 sqft (0.186 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 55 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 316254 |
|---|---|
| Street Address | 728 LAUREL RD |
| City | FOREST HILL |
| State | MD |
| Zip | 21050-3185 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 569 8101 SF 728 LAUREL ROAD FOREST LAKE S10 P 89/74 |
| Legal Subdivision | FOREST LAKE 05 SEC 10 PH 02 |
| Legal Lot Number | 569 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 3, BEL AIR |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 303204 |
728 Laurel Rd is owned and occupied by two individuals who bought it in July 2024.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 728 LAUREL RD, FOREST HILL, MD 21050-3185 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 30, 2017 | Deed of Trust, Mortgage · Line of Credit STATE EMP CU/MD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2024 · Amount on File |
| Deed Sale | Jul 25, 2024 · Amount on File |
| Prior Sale | Jan 16, 1998 · Amount on File |
| Deed Book / Page | 16332 / 341 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 728 LAUREL RD, FOREST HILL, MD 21050-3185 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Title Company | UNKNOWN, TOWNSGATE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 728 LAUREL RD, FOREST HILL, MD 21050-3185 |
| Document Number | 0169280405 |
|---|---|
| Date | Dec 12, 2025 |
| Book Page | 16928/405 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.3% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 728 LAUREL RD, FOREST HILL, MD 21050-3185 |
| Document Number | 0125330430 |
| Book / Page | 012533 / 000430 |
| Instrument Date | Jun 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2017 |
| Title Company | SECU TITLE SERVICES LLC, SECU TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 728 LAUREL RD FOREST HILL MD 210503185, FOREST HILL, MD 21050-3185 |
| Document Number | 0125330430 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 012533/000430 |
| Name | STATE EMP CU/MD |
|---|---|
| Type | Credit Union |
| Address | LINTHICUM, MD 21090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 28, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 728 Laurel Rd was $4,806, up 22.9% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,806.00 (+22.85%) | $441,033 | $579,500 Land $115,700 Building $463,800 |
| 2025 | $3,912.00 | ||
| 2023 | $346,067 | $371,800 Land $115,700 Building $256,100 | |
| 2022 | $3,631.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 728 Laurel Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 15, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 728 Laurel Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 416 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
May also be available: Armstrong.
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