Harford County property record for 117 Breakwater Ct, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,408 sqft · built 1984 |
| Lot Size | 0.116 acres (5,032 sqft) |
| Owner | Company Name on File |
| Last Sale | $335,000 (Aug 2023) |
| Tax Bill | $3,219 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Aug 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-141473 |
| Primary APN | 01-141473 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,408 sqft Total Area |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 5,032 sqft (0.116 acres) |
| Lot Dimensions | 148 ft deep x 34 ft wide |
| View / Lot | Waterfront |
| Porch | Slab |
|---|---|
| Porch Area | 88 sqft |
| Deck Area | 288 sqft |
| Patio Area | 640 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 141473 |
|---|---|
| Street Address | 117 BREAKWATER CT |
| City | JOPPA |
| State | MD |
| Zip | 21085-4505 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LT 32 34/34X148 117 BREAKWATER COURT RUMSEY ISL P 34 41/17 |
| Legal Subdivision | JOPPATOWNE |
| Legal Block | 24 |
| Legal Lot Number | 32,117 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 301401 |
117 Breakwater Ct, a townhouse, is owned by a company that bought it in August 2023.
Source: Harford County records, as of August 25, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 405 BRIANS GARTH, BEL AIR, MD 21015-8937 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Aug 3, 2026 | Deed, Transfer · Conventional Mortgage COMMERCIAL FUNDING |
| Aug 7, 2023 | Deed, Transfer UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2023 · Amount on File |
| Deed Sale | Aug 7, 2023 · Amount on File |
| Prior Sale | Oct 31, 1989 · Amount on File |
| Deed Book / Page | 15993 / 410 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Aug 3, 2026 |
| Property Address | 117 BREAKWATER CT, JOPPA, MD 21085-4505 |
| Document Number | 1723000480 |
| Book / Page | 17230 / 480 |
| Instrument Date | Jul 15, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2026 |
| Title Company | UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 405 BRIANS GARTH, BEL AIR, MD 21015-8937 |
| Document Number | 1723000485, |
|---|---|
| Date | Aug 3, 2026 |
| Book Page | 17230/485 |
| Name | COMMERCIAL FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Aug 7, 2023 |
| Property Address | 117 BREAKWATER CT, JOPPA, MD 21085-4505 |
| Document Number | 0159930410 |
| Book / Page | 15993 / 410 |
| Map Reference | MB 41 FO 17 |
| Instrument Date | Jul 31, 2023 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Title Company | UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,675.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 BRIANS GARTH, BEL AIR, MD 21015-8937 |
The 2026 property tax bill for 117 Breakwater Ct was $3,219, up 18.9% 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 | $3,219.00 (+18.87%) | $295,433 | $318,900 Land $121,300 Building $197,600 |
| 2025 | $2,708.00 | ||
| 2023 | $244,367 (+1.72%) | $248,500 (-) Land $121,300 Building $127,200 | |
| 2022 | $2,618.00 (-2.71%) Homeowner's exemption | $240,233 | $248,500 Land $121,300 Building $127,200 |
| 2021 | $2,691.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 117 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 117 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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