Harford County property record for 114 Breakwater Ct, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 2 ba · 1,584 sqft · built 1977 |
| Lot Size | 0.105 acres (4,556 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $420,000 (Dec 2025) |
| Tax Bill | $3,222 (2026) |
| Deeds & Mortgages | Dec 2025 Sale Jul 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-118897 |
| Primary APN | 01-118897 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,584 sqft Total Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 4,556 sqft (0.105 acres) |
| Lot Dimensions | 134 ft deep x 34 ft wide |
| View / Lot | Waterfront |
| Porch | Slab |
|---|---|
| Porch Area | 88 sqft |
| Patio Area | 344 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 118897 |
|---|---|
| Street Address | 114 BREAKWATER CT |
| City | JOPPA |
| State | MD |
| Zip | 21085-4506 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LT 38 34/34X134 AVG 114 BREAKWATER COURT RUMSEY ISL PT 34 P 34/21 |
| Legal Subdivision | JOPPATOWNE |
| Legal Block | 23 |
| Legal Lot Number | 38 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 301401 |
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 | 114 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 10, 2025 | Deed, Transfer UNKNOWN, SWAN TITLE |
| Jul 26, 2023 | Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FCU |
| Feb 3, 2021 | Deed, Transfer · Conventional Mortgage FIRST WASHINGTON MORTGAGE |
| Nov 26, 2018 | Loan Modification, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR |
| Dec 27, 2017 | Quit Claim Deed, Transfer EXPRESS TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2025 · Amount on Record |
| Deed Sale | Dec 10, 2025 · Amount on Record |
| Prior Sale | Feb 3, 2021 · Amount on Record |
| Deed Book / Page | 16924 / 204 |
| Prior Transfer Date | Nov 18, 2017 |
| Prior Transfer Doc | 0126510176 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Dec 10, 2025 |
| Property Address | 114 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Document Number | 0169240204 |
| Book / Page | 16924 / 204 |
| Map Reference | MB HDC 34 FO 21 |
| Instrument Date | Dec 5, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2025 |
| Title Company | UNKNOWN, SWAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 114 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 114 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2023 |
| Title Company | GETZ TITLE GROUP LLC, GETZ TITLE GRTOUP LLC |
| Name | Verified Name |
|---|---|
| Address | 114 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Document Number | 0159810134 |
|---|---|
| Date | Jul 26, 2023 |
| Book Page | 15981/134 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Feb 3, 2021 |
| Property Address | 114 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Document Number | 0144610170 |
| Book / Page | 14461 / 170 |
| Map Reference | MB HDC34 FO 21 |
| Instrument Date | Jan 15, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | ATG TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 114 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Document Number | 0014461176 |
|---|---|
| Date | Feb 3, 2021 |
| Instrument | 14461/176 |
| Name | FIRST WASHINGTON MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 114 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Document Number | 0131280309 |
| Instrument Date | Nov 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2019 |
| Title Company | RGS TITLE |
| Name | Verified Name |
|---|---|
| Address | 114 BREAKWATER CT JOPPA MD 210854506, JOPPA, MD 21085-4506 |
| Document Number | 0131280309 |
|---|---|
| Date | Jan 17, 2019 |
| Book Page | 013128/000309 |
| Name | MANUFACTURERS & TRADERS TR |
|---|---|
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Dec 27, 2017 |
| Property Address | 114 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Document Number | 0126510176 |
| Book / Page | 012651 / 000176 |
| Instrument Date | Nov 18, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2018 |
| Title Company | EXPRESS TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 114 BREAKWATER CT JOPPA MD 210854506, JOPPA, MD 21085-4506 |
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,222.00 (+24.16%) | $295,700 (+10.79%) | $324,500 (-) Land $120,400 Building $204,100 |
| 2025 | $2,595.00 (+3.3%) | $266,900 (+13.91%) | $324,500 (+36.29%) Land $120,400 Building $204,100 |
| 2023 | $234,300 | $238,100 Land $120,400 Building $117,700 | |
| 2022 | $2,512.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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 |
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