Harford County property record for 106 Breakwater Ct, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 2,004 sqft · built 1977 |
| Lot Size | 0.105 acres (4,590 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $370,000 (Aug 2022) |
| Tax Bill | $3,650 (2026) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-123033 |
| Primary APN | 01-123033 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,004 sqft Total Area |
| Utility Area | 128 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 4,590 sqft (0.105 acres) |
| Lot Dimensions | 135 ft deep x 34 ft wide |
| View / Lot | Waterfront |
| Porch | Slab |
|---|---|
| Porch Area | 88 sqft |
| Deck Area | 686 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 123033 |
|---|---|
| Street Address | 106 BREAKWATER CT |
| City | JOPPA |
| State | MD |
| Zip | 21085-4506 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LOT 34 34/34X135 106 BREAKWATER COURT RUMSEY ISLAND PT 34/21 |
| Legal Subdivision | JOPPATOWNE |
| Legal Block | 23 |
| Legal Lot Number | 34,106 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 301401 |
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 | 106 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2022 · Amount on Record |
| Deed Sale | Aug 12, 2022 · Amount on Record |
| Prior Sale | Sep 30, 2016 · Amount on Record |
| Deed Book / Page | 15633 / 19 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Aug 12, 2022 |
| Property Address | 106 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Document Number | 0156330019 |
| Book / Page | 15633 / 19 |
| Map Reference | MB HDC 34 FO 21 |
| Instrument Date | Jul 27, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Title Company | NOT AVAILABLE, CERTIFIED TITLE CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0156330024 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 15633-0024 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2052 |
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,650.00 (+25.65%) Homeowner's exemption | $334,933 (+27.89%) | $369,100 (+38.45%) Land $120,400 Building $248,700 |
| 2025 | $2,905.00 (+3.64%) Homeowner's exemption | ||
| 2023 | $261,900 | $266,600 Land $120,400 Building $146,200 | |
| 2022 | $2,803.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: 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.
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 |
| 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.
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 |
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