109 Breakwater Ct, Joppa, MD 21085 Property Records

Harford County property record for 109 Breakwater Ct, Joppa, MD 21085

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,360 sqft · built 1984
Lot Size	0.118 acres (5,134 sqft)
Owner	2 Individual Names on Record
Last Sale	$112,000 (Apr 1997)
Tax Bill	$2,166 (2026)
Deeds & Mortgages	Jun 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`01-141457`

Property Details

APN / Parcel Number

Primary APN	`01-141457`
Alternative APNs	`1141457` `141457`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,360 sqft Total Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,134 sqft (0.118 acres)
Lot Dimensions	151 ft deep x 34 ft wide
Deck Area	232 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	141457
Street Address	109 BREAKWATER CT
City	JOPPA
State	MD
Zip	21085-4505
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3
Legal Description	LT 28 34X151 109 BREAKWATER COURT RUMSEY ISL P34 PT 41/17
Legal Subdivision	JOPPATOWNE
Legal Block	24
Legal Lot Number	28
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	4
Census Block	4007
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	9192 ROLLING MEADOW RUN, PASADENA, MD 21122-3538
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 1997 · Amount on Record
Deed Sale	Apr 30, 1997 · Amount on Record
Prior Sale	Jan 5, 1996 · Amount on Record
Deed Document Number	19972428
Deed Book / Page	2511 / 1091
Transfer Doc	0000001264
Record Updated	Oct 29, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	Jun 24, 2022
Property Address	109 BREAKWATER CT, JOPPA, MD 21085-4505
Document Number	0155700347
Book / Page	15570 / 347
Map Reference	LB 41 FL 17
Instrument Date	May 19, 2022
Transaction Type	Transfer
Record Updated	Jul 4, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9192 ROLLING MEADOW RUN, PASADENA, MD 21122-3538

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	$2,166.00 (+11.08%)	$198,800 (+5.24%)	$208,700 (-) Land $54,300 Building $154,400
2025	$1,950.00 (+4.45%)	$188,900 (+7.84%)	$208,700 (+16.59%) Land $54,300 Building $154,400
2023		$175,167	$179,000 Land $54,300 Building $124,700
2022	$1,867.00

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 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