904 Charisma Ct, Forest Hill, MD 21050 Property Records

Harford County property record for 904 Charisma Ct, Forest Hill, MD 21050

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,296 sqft · built 2002
Lot Size	0.491 acres (21,408 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Mar 2011)
Tax Bill	$5,039 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-354687`

Property Details

APN / Parcel Number

Primary APN	`03-354687`
Alternative APNs	`3354687` `354687`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,296 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	21,408 sqft (0.491 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	180 sqft
Deck Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	354687
Street Address	904 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 410 21408 SF 904 CHARISMA COURT FOREST LAKE S7 P 104/37
Legal Subdivision	FOREST LAKE 04 SEC 07 PH 03
Legal Lot Number	410
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	904 CHARISMA CT, FOREST HILL, MD 21050-2759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Sep 20, 2016	Deed of Trust, Mortgage · Conventional with PMI SEMPER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2011 · Amount on Record
Deed Sale	Mar 2, 2011 · Amount on Record
Prior Sale	Jun 3, 2002 · Amount on Record
Deed Document Number	20119086/0169
Deed Book / Page	9086 / 169
Prior Transfer Date	Dec 14, 2005
Prior Transfer Doc	0064650128
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	904 CHARISMA CT, FOREST HILL, MD 21050-2759
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0148400268
Date	Jun 17, 2021
Book Page	14840/268

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

September 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	904 CHARISMA CT, FOREST HILL, MD 21050-2759
Document Number	0122220446
Book / Page	012222 / 000446
Instrument Date	Sep 20, 2016
Transaction Type	Mortgage
Record Updated	Feb 24, 2017
Title Company	NATIONAL ADVANTAGE SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	904 CHARISMA CT FOREST HILL MD 210502759, FOREST HILL, MD 21050-2759

Mortgage

Document Number	0122220446
Date	Feb 9, 2017
Book Page	012222/000446

Lender

Name	SEMPER HM LOANS
Type	Funding / Finance Company
Address	PROVIDENCE, RI 02907

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Feb 8, 2037

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	$5,039.00 (+7.49%) Homeowner's exemption	$462,400 (+3.51%)	$493,800 (+10.54%) Land $118,300 Building $375,500
2025	$4,688.00 (+8.37%) Homeowner's exemption	$446,700 (+8.01%) Land $118,300 Building $328,400	$446,700 (-) Land $118,300 Building $328,400
2023		$413,567	$446,700 Land $118,300 Building $328,400
2022	$4,326.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 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.

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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