107 Stone Harbor Ct, Joppa, MD 21085 Property Records

Harford County property record for 107 Stone Harbor Ct, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,182 sqft · built 1977
Lot Size	0.281 acres (12,250 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (Feb 2022)
Tax Bill	$4,070 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-122940`

Property Details

APN / Parcel Number

Primary APN	`01-122940`
Alternative APNs	`1122940` `122940`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,182 sqft Total Area
Basement Area	886 sqft
Finished Basement	886 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,250 sqft (0.281 acres)
Lot Dimensions	125 ft deep x 152 ft wide
View / Lot	Waterfront
Garage Type	Basement
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Deck Area	160 sqft
Gazebo	144 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	122940
Street Address	107 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 9 44/152X125 107 STONE HARBOR CT RUMSEY ISL P33 PT 32/49
Legal Subdivision	JOPPATOWNE
Legal Block	21
Legal Lot Number	9,107
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 18, 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 Record
Mailing Address	107 STONE HARBOR CT, JOPPA, MD 21085-4537
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONWIDE MORTGAGE BANKERS INC
Feb 4, 2022	Deed, Transfer · Stand-Alone First Mortgage HARFORD BANK
Apr 11, 2018	Deed, Transfer · FHA Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2022 · Amount on Record
Deed Sale	Feb 4, 2022 · Amount on Record
Prior Sale	Apr 11, 2018 · Amount on Record
Deed Book / Page	15350 / 15
Transfer Doc	0032540184
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	107 STONE HARBOR CT, JOPPA, MD 21085-4537
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152050164
Date	Nov 23, 2021
Book Page	15205/164

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Feb 4, 2022
Property Address	107 STONE HARBOR CT, JOPPA, MD 21085-4537
Document Number	0153500015
Book / Page	15350 / 15
Map Reference	MB 32 FO 49
Instrument Date	Jan 20, 2022
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	NOT AVAILABLE, KEY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Tenants in Severalty
Address	107 STONE HARBOR CT, JOPPA, MD 21085-4537

Mortgage

Document Number	0001535021
Date	Feb 4, 2022
Instrument	15350/21

Lender

Name	HARFORD BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 20, 2052

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Apr 11, 2018
Property Address	107 STONE HARBOR CT, JOPPA, MD 21085-4537
Document Number	0127740287
Book / Page	12774 / 0287
Map Reference	MB HDC 32 FO49
Instrument Date	Apr 6, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	EAGLE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	107 STONE HARBOR CT, JOPPA, MD 21085-4537

Mortgage

Document Number	0012774295
Date	Apr 11, 2018
Instrument	12774/295

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

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		$441,767 (+8.37%)	$475,900 (-) Land $167,000 Building $308,900
2025	$4,070.00 (+2.34%) Homeowner's exemption	$407,633 (+10.4%)	$475,900 (+27.42%) Land $167,000 Building $308,900
2023		$369,233	$373,500 Land $167,000 Building $206,500
2022	$3,977.00

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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