903 Charisma Ct, Forest Hill, MD 21050 Property Records

Harford County property record for 903 Charisma Ct, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,816 sqft · built 2002
Lot Size	0.721 acres (31,409 sqft)
Owner	2 Individual Names on Record
Last Sale	$612,000 (Aug 2021)
Tax Bill	$6,553 (2026)
Deeds & Mortgages	Nov 2021 Transfer Aug 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-354741`

Property Details

APN / Parcel Number

Primary APN	`03-354741`
Alternative APNs	`3354741` `354741`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,816 sqft Total Area
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	31,409 sqft (0.721 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	500 sqft
Porch	Slab
Porch Area	398 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	354741
Street Address	903 CHARISMA CT
City	FOREST HILL
State	MD
Zip	21050-2759
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1COS
Legal Description	LOT 416 31409 SF 903 CHARISMA COURT FOREST LAKE S7 P 104/37
Legal Subdivision	FOREST LAKE 04 SEC 07 PH 03
Legal Lot Number	416
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2002
Census Tract	303204

Owner

Source: Harford County records, as of August 25, 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	903 CHARISMA CT, FOREST HILL, MD 21050-2759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 9, 2021	Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Apr 4, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2021 · Amount on Record
Deed Sale	Aug 9, 2021 · Amount on Record
Prior Sale	May 17, 2002 · Amount on Record
Deed Book / Page	14947 / 372
Last Transfer Date	Nov 9, 2021
Transfer Doc	0151960179
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	Nov 19, 2021
Property Address	903 CHARISMA CT, FOREST HILL, MD 21050-2759
Document Number	0151960179
Book / Page	15196 / 179
Map Reference	LB CGH104 FO 37
Instrument Date	Nov 9, 2021
Transaction Type	Transfer
Record Updated	Dec 1, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	903 CHARISMA CT, FOREST HILL, MD 21050-2759

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 9, 2021
Property Address	903 CHARISMA CT, FOREST HILL, MD 21050-2759
Document Number	0149470372
Book / Page	14947 / 372
Map Reference	LB CGH104 FO 37
Instrument Date	Jul 30, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	R AND P SETTLEMENT GROUP LLC, R & P SETTLEMENT GROUP 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	Tenants in Severalty
Address	903 CHARISMA CT, FOREST HILL, MD 21050-2759

Mortgage

Document Number	0014947379
Date	Aug 9, 2021
Instrument	14947/379

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	903 CHARISMA CT, FOREST HILL, MD 21050-2759
Document Number	0138200095
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	MIDATLANTIC SETTLEMENT SERVICES LL, MIDATLANTIC SETTLEMENT SVCS LL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	903 CHARISMA CT FOREST HILL MD 210502759, FOREST HILL, MD 21050-2759

Mortgage

Document Number	0138200095
Date	Apr 29, 2020
Book Page	013820/000095

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	903 CHARISMA CT, FOREST HILL, MD 21050-2759
Document Number	0128020375
Instrument Date	Apr 4, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 CHARISMA CT FOREST HILL MD 210502759, FOREST HILL, MD 21050-2759

Mortgage

Document Number	0128020375
Date	May 3, 2018
Book Page	012802/000375

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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	$6,553.00 (+10.08%)	$601,333 (+3.79%)	$645,200 (+11.36%) Land $120,300 Building $524,900
2025	$5,953.00 (+13.82%)	$579,400 (+12.93%) Land $120,300 Building $459,100	$579,400 (-) Land $120,300 Building $459,100
2023		$513,067	$579,400 Land $120,300 Building $459,100
2022	$5,230.00

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 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	1 in force

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 Risk	Low lower than 94% of the US · lower than 89% 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.

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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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