104 Breakwater Ct, Joppa, MD 21085 Property Records

Harford County property record for 104 Breakwater Ct, Joppa, MD 21085

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,680 sqft · built 1978
Lot Size	0.107 acres (4,658 sqft)
Owner	Individual Name on File
Last Sale	$137,000 (May 2002)
Tax Bill	$3,477 (2026)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-143735`

Property Details

APN / Parcel Number

Primary APN	`01-143735`
Alternative APNs	`1143735` `143735`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,680 sqft Total Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,658 sqft (0.107 acres)
Lot Dimensions	137 ft deep x 34 ft wide
View / Lot	Waterfront

Exterior Amenities

Porch	Slab
Porch Area	220 sqft
Deck Area	200 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	143735
Street Address	104 BREAKWATER CT
City	JOPPA
State	MD
Zip	21085-4506
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3
Legal Description	LT 33 34/34X137 104 BREAKWATER COURT RUMSEY ISL PT 34/21
Legal Subdivision	JOPPATOWNE
Legal Block	23
Legal Lot Number	33,104
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	4
Census Block	4007
Census Tract	301401

Owner

104 Breakwater Ct, a townhouse, is owned and occupied by an individual who bought it in May 2002.

Source: Harford County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	104 BREAKWATER CT, JOPPA, MD 21085-4506
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2002 · Amount on File
Deed Sale	May 23, 2002 · Amount on File
Deed Document Number	20023461
Deed Book / Page	3987 / 86
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	104 BREAKWATER CT, JOPPA, MD 21085-4506
Document Number	0139770482
Instrument Date	Jun 22, 2020
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	SWAN TITLE CORPORATION, SWAN TITLE CORP

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 BREAKWATER CT JOPPA MD 210854506, JOPPA, MD 21085-4506

Mortgage

Document Number	0139770482
Date	Jul 16, 2020
Book Page	013977/000482

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 104 Breakwater Ct was $3,477, up 10.1% from the year before.

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	$3,477.00 (+10.07%)	$319,033 (+4.78%)	$333,600 (-) Land $120,600 Building $213,000
2025	$3,159.00	$304,467	$333,600 Land $120,600 Building $213,000
2023		$270,467	$289,900 Land $120,600 Building $169,300
2022	$2,736.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 104 Breakwater Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 104 Breakwater Ct is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	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