103 Stone Harbor Ct, Joppa, MD 21085 Property Records

Harford County property record for 103 Stone Harbor Ct, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,560 sqft · built 1977
Lot Size	0.187 acres (8,154 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Jun 2022)
Tax Bill	$4,345 (2026)
Deeds & Mortgages	Jun 2022 Sale Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-122711`

Property Details

APN / Parcel Number

Primary APN	`01-122711`
Alternative APNs	`1122711` `122711`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,560 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,154 sqft (0.187 acres)
Lot Dimensions	151 ft deep x 73 ft wide
View / Lot	Waterfront

Exterior Amenities

Porch	Porch
Porch Area	324 sqft
Deck Area	96 sqft
Patio Area	96 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	122711
Street Address	103 STONE HARBOR CT
City	JOPPA
State	MD
Zip	21085-4537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 11 73/73X151 AV 103 STONE HARBOR CT RUMSEY ISL P33 PT 32/49
Legal Subdivision	JOPPATOWNE
Legal Block	21
Legal Lot Number	11
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	4
Census Block	4002
Census Tract	301401

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	103 STONE HARBOR CT, JOPPA, MD 21085-4537
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Deed, Transfer CC TITLE, C&C TITLE
Oct 20, 2020	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2022 · Amount on Record
Deed Sale	Jun 6, 2022 · Amount on Record
Prior Sale	Oct 20, 2020 · Amount on Record
Deed Book / Page	15541 / 444
Prior Transfer Date	Jan 12, 2007
Prior Transfer Doc	0072100141
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 6, 2022
Property Address	103 STONE HARBOR CT, JOPPA, MD 21085-4537
Document Number	0155410444
Book / Page	15541 / 444
Map Reference	MB HDC 32 FO49
Instrument Date	May 27, 2022
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	CC TITLE, C&C TITLE

Transaction

Amount	Amount Recorded
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 by the Entirety

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Oct 20, 2020
Property Address	103 STONE HARBOR CT, JOPPA, MD 21085-4537
Document Number	0141990370
Book / Page	14199 / 370
Map Reference	MB HDC 32 FO 49
Instrument Date	Oct 15, 2020
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
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
Address	103 STONE HARBOR, BALTIMORE, MD 21212

Mortgage

Document Number	0014199376
Date	Oct 20, 2020
Instrument	14199/376

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$4,345.00 (+11.64%) Homeowner's exemption	$398,700 (+5.48%)	$419,400 (-) Land $157,000 Building $262,400
2025	$3,892.00 (+10.25%) Homeowner's exemption	$378,000 (+10.97%)	$419,400 (+17.38%) Land $157,000 Building $262,400
2023		$340,633	$357,300 Land $157,000 Building $200,300
2022	$3,530.00

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 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	Hurricane Isabel, Sep 2003 · 10 claims

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 87% 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 493 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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