Harford County property record for 109 Shell Cove Ct, Joppa, MD 21085 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 1976 |
| Square Footage | 1,220 sqft Total Area |
| Lot Size | 10,500 sqft (0.241 acres) |
| Garage | Basement, 312 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $262,000 (2002) |
| Tax Bill | $3,583.00 (2025) |
| Primary APN | 01-121464 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 1,220 sqft Total Area |
| Basement Area | 450 sqft Basement |
| Finished Basement | 450 sqft Finished |
| Stories | 1 Stories |
| Utility Area | 140 sqft Utility Area |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Split Foyer Style |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,500 sqft (0.241 acres) |
| Depth X Width | 150 ft x 70 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Basement Garage |
| Garage Area | 312 sqft Garage |
| Patio Area | 300 sqft Patio |
| Porch Area | 200 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 121464 |
|---|---|
| Street Address | 109 SHELL COVE CT |
| City | JOPPA |
| State | MD |
| Zip | 21085-4528 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT 27 70/70X150 109 SHELL COVE CT RUMSEY ISL PT 32/51 |
| Legal Subdivision | RUMSEY ISLAND 35 |
| Legal Block | 84 |
| Legal Lot Number | 27,109 |
| Jurisdiction | HARFORD MD |
| Minor Civil Division | 1, ABINGDON |
| Census Blockgroup | 4 |
| Census Block | 4007 |
| Census Tract | 301401 |
Source: Harford County records · APN 01-121464
Assessment roll updated August 12, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 109 SHELL COVE CT, JOPPA, MD 21085-4528 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · Line of Credit STATE EMP CREDIT UNION/MD |
| May 21, 2026 | Deed of Trust, Mortgage · Line of Credit TRUST BANK |
| Aug 14, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage TRUIST BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 25, 2002 · Amount on Record |
| Deed Sale | Feb 25, 2002 · Amount on Record |
| Prior Sale | Oct 22, 1998 · Amount on Record |
| Deed Doc Number | 20022189 |
| Deed Book / Page | 3870 / 309 |
| Last Transfer Date | Aug 04, 2023 |
| Transfer Doc | 0160020001 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jul 14, 2026 |
| Property Address | 109 SHELL COVE CT, JOPPA, MD 21085-4528 |
| Document Number | 1720000025 |
| Book / Page | 17208 / 25 |
| Instrument Date | Jul 08, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | SECU TITLE SERVICES LLC, SECU TITLE |
| Name | Verified Name |
|---|---|
| Address | 109 SHELL COVE CT, JOPPA, MD 21085-4528 |
| Document Number | 1720000025, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 17208/25 |
| Name | STATE EMP CREDIT UNION/MD |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | May 21, 2026 |
| Property Address | 109 SHELL COVE CT, JOPPA, MD 21085-4528 |
| Document Number | 1713000463 |
| Book / Page | 17132 / 463 |
| Instrument Date | May 11, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | DATA SEARCH |
| Name | Verified Name |
|---|---|
| Address | 109 SHELL COVE CT, JOPPA, MD 21085-4528 |
| Investor | Possibly a Property Investor |
| Document Number | 1713000463, |
|---|---|
| Date | May 21, 2026 |
| Book Page | 17132/463 |
| Name | TRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Aug 14, 2023 |
| Property Address | 109 SHELL COVE CT, JOPPA, MD 21085-4528 |
| Document Number | 0160020001 |
| Book / Page | 16002 / 1 |
| Map Reference | MB HDC NO 32 FO 51 |
| Instrument Date | Aug 04, 2023 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 SHELL COVE CT, JOPPA, MD 21085-4528 |
| Document Number | 0160020009 |
|---|---|
| Date | Aug 14, 2023 |
| Instrument | 16002-0009 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $350,333 (+3.17%) | $361,100 (-) Land $159,500 Building $201,600 | |
| 2025 | $3,583.00 (+1.53%) Homeowner's exemption | $339,567 (+4.06%) | $361,100 (+9.82%) Land $159,500 Building $201,600 |
| 2023 | $326,333 (+0.76%) | $328,800 (-) Land $159,500 Building $169,300 | |
| 2022 | $3,529.00 (-3.66%) Homeowner's exemption | $323,867 | $328,800 Land $159,500 Building $169,300 |
| 2021 | $3,663.00 |
Source: FEMA National Flood Hazard Layer, Harford County (24025C), updated October 15, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures