109 Fern Dr, Joppa, MD 21085 Property Records

Harford County property record for 109 Fern Dr, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	1 ba · 900 sqft · built 1967
Lot Size	0.551 acres (23,980 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Apr 2020)
Tax Bill	$1,960 (2026)
Deeds & Mortgages	Apr 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`01-053620`

Property Details

APN / Parcel Number

Primary APN	`01-053620`
Alternative APNs	`1053620` `053620`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	900 sqft Total Area

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	23,980 sqft (0.551 acres)
Lot Dimensions	218 ft deep x 110 ft wide
Garage Type	Detached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft
Patio Area	76 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	053620
Street Address	109 FERN DR
City	JOPPA
State	MD
Zip	21085-3017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 90 110X218 109 FERN DRIVE OAKLYN MANOR PT 7/41
Legal Subdivision	OAKLYN MANOR
Legal Lot Number	90
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2024
Census Tract	301301

Owner

109 Fern Dr is owned and occupied by an individual who bought it in April 2020.

Source: Harford County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	109 FERN DR, JOPPA, MD 21085-3017
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2020 · Amount on File
Deed Sale	Apr 28, 2020 · Amount on File
Deed Book / Page	13819 / 24
Record Updated	Oct 29, 2026

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Apr 28, 2020
Property Address	109 FERN DR, JOPPA, MD 21085-3017
Document Number	0138190024
Book / Page	013819 / 000024
Instrument Date	Apr 2, 2020
Transaction Type	Transfer
Record Updated	Jun 11, 2020
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$65.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 FERN DR JOPPA MD 210853017, JOPPA, MD 21085-3017

Tax Assessment & Valuation

The 2026 property tax bill for 109 Fern Dr was $1,960 with a homeowner's exemption, up 7.3% from the year before.

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	$1,960.00 (+7.34%) Homeowner's exemption	$179,867 (+3.53%)	$186,000 (-) Land $88,300 Building $97,700
2025	$1,826.00 Homeowner's exemption	$173,733	$186,000 Land $88,300 Building $97,700
2023		$165,867	$167,600 Land $88,300 Building $79,300
2022	$1,788.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 Fern Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	8 (1978–2022)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Aug 2022 · rainfall accumulation
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 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

Wildfire risk around 109 Fern Dr is low, with a 0.01% annual chance of 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	Direct burnable vegetation

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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880