104 Fern Dr, Joppa, MD 21085 Property Records

Harford County property record for 104 Fern Dr, Joppa, MD 21085 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 1974
Square Footage	1,692 sqft Total Area
Lot Size	24,480 sqft (0.562 acres)
Garage	Mixed, 1,632 sqft
Occupancy	Owner Occupied
Tax Bill	$2,115.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`01-043536`
Alternative APNs	`1043536` `043536`

Interior

Full Baths	2 Baths
Building Area	1,692 sqft Total Area
Stories	1 Stories

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	24,480 sqft (0.562 acres)
Parking Spaces	5 Parking Spaces
Garage Type	Mixed Garage
Garage Area	1,632 sqft Garage
Deck Area	90 sqft Deck
Patio Area	140 sqft Patio

Utilities and HVAC

Heating Fuel	Electric Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	043536
Street Address	104 FERN DR
City	JOPPA
State	MD
Zip	21085-3018
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 72 24480 SF 104 FERN DRIVE OAKLYNN MANOR PT 7/41
Legal Subdivision	OAKLYN MANOR
Legal Lot Number	72
Jurisdiction	HARFORD MD
Minor Civil Division	1, ABINGDON
Census Blockgroup	2
Census Block	2013
Census Tract	301301

Owner

Source: Harford County records · APN 01-043536

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	2 Individual Names on File
Mailing Address	104 FERN DR, JOPPA, MD 21085-3018
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	104 FERN DR, JOPPA, MD 21085-3018
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	GETZ TITLE GROUP LC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0133580383
Date	Jul 23, 2019
Book Page	13358/0383

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Bank
Address	ABERDEEN, MD 21001

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Aug 01, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	8.87%

Tax Assessment & Valuation

Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

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		$216,967 (+13.18%)	$228,400 (+17.67%) Land $79,700 Building $148,700
2025	$2,115.00 (+2.52%) Homeowner's exemption
2023		$191,700	$194,100 Land $79,700 Building $114,400
2022	$2,063.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Harford County (24025C), updated October 15, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.