109 Driftwood Ct, Joppa, MD 21085 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,160 sqft · built 1973
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$537,500 (Oct 2022)
Tax Bill	$4,978 (2026)
Deeds & Mortgages	May 2023 Transfer Mar 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-127411`

Property Details

APN / Parcel Number

Primary APN	`01-127411`
Alternative APNs	`1127411` `127411`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	1,160 sqft Total Area
Basement Area	635 sqft
Finished Basement	635 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	150 ft deep x 70 ft wide
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	1,176 sqft
Parking Spaces	4 Parking Spaces
Deck Area	260 sqft
Patio Area	260 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	127411
Street Address	109 DRIFTWOOD CT
City	JOPPA
State	MD
Zip	21085-4515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 7 BK 84 70/70X150 109 DRIFTWOOD COURT RUMSEY ISLAND PT 23/96
Legal Subdivision	JOPPATOWNE
Legal Block	84
Legal Lot Number	7
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	109 DRIFTWOOD CT, JOPPA, MD 21085-4515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 7, 2019	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Oct 11, 2022	Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2022 · Amount on Record
Deed Sale	Oct 11, 2022 · Amount on Record
Prior Sale	Mar 7, 2001 · Amount on Record
Deed Book / Page	15701 / 87
Last Transfer Date	Feb 9, 2023
Transfer Doc	0159220155
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	May 31, 2023
Property Address	109 DRIFTWOOD CT, JOPPA, MD 21085-4515
Document Number	0159220155
Book / Page	15922 / 155
Map Reference	MB 23 FO 96
Instrument Date	Feb 9, 2023
Transaction Type	Transfer
Record Updated	Jun 14, 2023
Title Company	ACCOMODATION, ACCOMMODATION

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	109 DRIFTWOOD CT, JOPPA, MD 21085-4515

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	109 DRIFTWOOD CT, JOPPA, MD 21085-4515
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	RGS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0131760436
Date	Mar 7, 2019
Book Page	13176/0436

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	00000

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Oct 11, 2022
Property Address	109 DRIFTWOOD CT, JOPPA, MD 21085-4515
Document Number	0157010087
Book / Page	15701 / 87
Map Reference	MB 23 FO 96
Instrument Date	Jun 23, 2022
Transaction Type	Transfer
Record Updated	Oct 21, 2022
Title Company	NOT AVAILABLE, MBO SETTLEMENTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,687.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0157010092
Date	Oct 11, 2022
Instrument	15701-0092

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jul 1, 2052

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	$4,978.00 (+32.22%)	$456,767 (+13.87%)	$512,400 (-) Land $159,500 Building $352,900
2025	$3,765.00 (+1.76%)	$401,133 (+17.12%)	$512,400 (+48.31%) Land $159,500 Building $352,900
2023		$342,500	$345,500 Land $159,500 Building $186,000
2022	$3,700.00

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 89% 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

5G and 4G LTE (outdoors only)

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