Harford County property record for 10 Neptune Dr, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,558 sqft · built 1970 |
| Lot Size | 0.059 acres (2,574 sqft) |
| Owner | Individual Name on File |
| Last Sale | $390,000 (Jan 2026) |
| Tax Bill | $2,859 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jan 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-137913 |
| Primary APN | 01-137913 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,558 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,574 sqft (0.059 acres) |
| Lot Dimensions | 156 ft deep x 17 ft wide |
| View / Lot | Waterfront |
| Deck Area | 400 sqft |
| Patio Area | 114 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 137913 |
|---|---|
| Street Address | 10 NEPTUNE DR |
| City | JOPPA |
| State | MD |
| Zip | 21085-4520 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LT 121 2574 SF 10 NEPTUNE DRIVE RUMSEY ISLAND P 23/12 |
| Legal Subdivision | RUMSEY ISLAND PART TWENTY FOUR |
| Legal Block | 88 |
| Legal Lot Number | 121 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 301401 |
Source: Harford County records · APN 01-137913
Assessment roll updated August 12, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 06, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jan 09, 2026 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 23, 2019 | Deed, Transfer · Conventional Mortgage FLORIDA CAPITAL BANK NA |
| Feb 06, 2019 | Trustee's Deed, Foreclosure · Line of Credit SCOTT BENJAMIN |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 09, 2026 · Amount on Record |
| Deed Sale | Jan 09, 2026 · Amount on Record |
| Prior Sale | Sep 23, 2019 · Amount on Record |
| Deed Book / Page | 16961 / 142 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 10 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2026 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0147300123 |
|---|---|
| Date | May 06, 2021 |
| Book Page | 14730/123 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jan 09, 2026 |
| Property Address | 10 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Document Number | 0169610142 |
| Book / Page | 16961 / 142 |
| Map Reference | MB GRG 23 FO 12 |
| Instrument Date | Dec 30, 2025 |
| Transaction Type | Transfer |
| Record Updated | Feb 03, 2026 |
| Title Company | UNKNOWN, GALAXY SETTLEMENT SINC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 10 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Document Number | 0016961151 |
|---|---|
| Date | Jan 09, 2026 |
| Instrument | 16961/151 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 23, 2019 |
| Property Address | 10 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Document Number | 0134560233 |
| Book / Page | 13456 / 0233 |
| Map Reference | MB GRG 232 FO 10 |
| Instrument Date | Sep 10, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Title Company | MASTERS TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 10 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Document Number | 0013456238 |
|---|---|
| Date | Sep 23, 2019 |
| Instrument | 13456/238 |
| Name | FLORIDA CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Feb 06, 2019 |
| Property Address | 10 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Document Number | 0131460407 |
| Book / Page | 013146 / 000407 |
| Instrument Date | Nov 21, 2018 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 15, 2019 |
| Title Company | NEW WORLD TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $185.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5227 THUNDER HILL RD COLUMBIA MD 210451925, COLUMBIA, MD 21045-1925 |
| Document Number | 131460411 |
|---|---|
| Date | Feb 06, 2019 |
| Book Page | 013146/000411 |
| Name | SCOTT BENJAMIN |
|---|---|
| Address | 1483 VESTAVIA CIR, MELBOURNE, FL 32940-1498 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 05, 2020 |
| Rate Type | Adjustable Rate |
|---|
Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $286,867 (+3.18%) | $295,700 (-) Land $123,000 Building $172,700 | |
| 2025 | $2,859.00 (+10.43%) Homeowner's exemption | $278,033 (+9.12%) | $295,700 (+9.84%) Land $123,000 Building $172,700 |
| 2023 | $254,800 | $269,200 Land $123,000 Building $146,200 | |
| 2022 | $2,589.00 |
Source: FEMA National Flood Hazard Layer as of October 15, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 24 (1978–2013) |
| Claims Outside the SFHA | 10 of 24 |
| Most Recent Claim | Jun 2013 · other causes |
| Claims by Event |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 236 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HARFORD COUNTY D.P.W. serves 104,567 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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