822 Delray Dr, Forest Hill, MD 21050 Property Records

Harford County property record for 822 Delray Dr, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,502 sqft · built 1989
Lot Size	0.277 acres (12,055 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Apr 2023)
Tax Bill	$4,863 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-227316`

Property Details

APN / Parcel Number

Primary APN	`03-227316`
Alternative APNs	`3227316` `227316`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,502 sqft Total Area
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,055 sqft (0.277 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	135 sqft
Deck Area	352 sqft
Patio Area	752 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	227316
Street Address	822 DELRAY DR
City	FOREST HILL
State	MD
Zip	21050-2744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 36 .277 AC 822 DELRAY DRIVE FOREST LAKE S6 P 58/106
Legal Subdivision	FOREST LAKE 05 SEC 06 PH 01
Legal Lot Number	36
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	1
Census Block	1005
Census Tract	303204

Owner

Source: Harford County records, as of August 18, 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 Record
Mailing Address	822 DELRAY DR, FOREST HILL, MD 21050-2744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
Apr 18, 2023	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
Apr 15, 2021	Deed of Trust, Mortgage · FHA Mortgage ATLANTIC HOME LOANS INC
Apr 22, 2020	Deed, Transfer · Conventional Mortgage CAPITAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2023 · Amount on Record
Deed Sale	Apr 18, 2023 · Amount on Record
Prior Sale	Apr 22, 2020 · Amount on Record
Deed Book / Page	15879 / 425
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	822 DELRAY DR, FOREST HILL, MD 21050-2744
Transaction Type	Mortgage
Record Updated	Dec 11, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 DELRAY DR, FOREST HILL, MD 21050-2744

Mortgage

Document Number	0169150089
Date	Dec 3, 2025
Book Page	16915/89

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	822 DELRAY DR, FOREST HILL, MD 21050-2744
Transaction Type	Mortgage
Record Updated	Aug 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 BRAMBLE BROOK LN, BEL AIR, MD 21015-2500

Mortgage

Document Number	0160000311
Date	Aug 11, 2023
Book Page	16000/311

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Apr 18, 2023
Property Address	822 DELRAY DR, FOREST HILL, MD 21050-2744
Document Number	0158790425
Book / Page	15879 / 425
Map Reference	MB CGH 58 FO 106
Instrument Date	Apr 3, 2023
Transaction Type	Transfer
Record Updated	Apr 26, 2023
Title Company	BROADVIEW TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	822 DELRAV DRIVE, FOREST HILL, MD 21050-2744

Mortgage

Document Number	0158790431
Date	Apr 18, 2023
Instrument	15879-0431

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	7 Months
Due	Nov 1, 2023

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	822 DELRAY DR, FOREST HILL, MD 21050-2744
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	POWERTHOUSE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0146680377
Date	Apr 15, 2021
Book Page	14668/377

Lender

Name	ATLANTIC HOME LOANS INC
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Apr 22, 2020
Property Address	822 DELRAY DR, FOREST HILL, MD 21050-2744
Document Number	0138060027
Book / Page	13806 / 27
Map Reference	MB CGH 58 FO 106
Instrument Date	Sep 30, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	XPRESS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	822 DELRAY DR, FOREST HILL, MD 21050-2744

Mortgage

Document Number	0001380634
Date	Apr 22, 2020
Instrument	13806/34

Lender

Name	CAPITAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Oct 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		$488,633 (+13.94%)	$538,700 (+16.2%) Land $116,500 Building $422,200
2025	$4,863.00 (+8.45%)
2023		$428,867	$463,600 Land $116,500 Building $347,100
2022	$4,484.00

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

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

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	None 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 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 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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