Harford County property record for 116 Breakwater Ct, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,584 sqft · built 1977 |
| Lot Size | 0.105 acres (4,556 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,900 (Apr 2000) |
| Tax Bill | $2,965 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit May 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-144758 |
| Primary APN | 01-144758 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 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) |
| View / Lot | Waterfront |
| Porch | Slab |
|---|---|
| Porch Area | 304 sqft |
| Deck Area | 400 sqft |
| Patio Area | 200 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 144758 |
|---|---|
| Street Address | 116 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 39 BK 23 4556 SF 116 BREAKWATER COURT RUMSEY ISLAND PT 34/21 |
| Legal Subdivision | JOPPATOWNE |
| Legal Block | 23 |
| Legal Lot Number | 39 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 301401 |
116 Breakwater Ct, a townhouse, is owned and occupied by two individuals who bought it in April 2000.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 116 BREAKWATER CT, JOPPA, MD 21085-4506 |
| 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.
| Date | Document |
|---|---|
| Jun 16, 2026 | Deed of Trust, Mortgage · Line of Credit ROSWELL BANK |
| May 3, 2018 | Deed of Trust, Mortgage · FHA Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Jun 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| May 8, 2020 | Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 11, 2000 · Amount on File |
| Deed Sale | Apr 11, 2000 · Amount on File |
| Deed Document Number | 20002291 |
| Deed Book / Page | 3238 / 241 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jun 16, 2026 |
| Property Address | 116 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Document Number | 1716000294 |
| Book / Page | 17168 / 294 |
| Instrument Date | Jun 15, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 116 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Document Number | 1716000294, |
|---|---|
| Date | Jun 16, 2026 |
| Book Page | 17168/294 |
| Name | ROSWELL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 116 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0128040421 |
|---|---|
| Date | May 3, 2018 |
| Book Page | 12804/0421 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 116 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0148310173 |
|---|---|
| Date | Jun 16, 2021 |
| Book Page | 14831/173 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 178 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 116 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Document Number | 0138710218 |
| Instrument Date | May 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 116 BREAKWATER CT JOPPA MD 210854506, JOPPA, MD 21085-4506 |
| Document Number | 0138710218 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 013871/000218 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 25, 2035 |
The 2026 property tax bill for 116 Breakwater Ct was $2,965, up 11% from the year before.
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 | $2,965.00 (+11.05%) | $272,067 (+5.23%) | $285,600 (-) Land $120,400 Building $165,200 |
| 2025 | $2,670.00 | $258,533 | $285,600 Land $120,400 Building $165,200 |
| 2023 | $241,000 | $245,000 Land $120,400 Building $124,600 | |
| 2022 | $2,583.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 116 Breakwater Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 116 Breakwater Ct 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 | 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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