Harford County property record for 119 Breakwater Ct, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,364 sqft · built 1985 |
| Lot Size | 0.116 acres (5,032 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $243,744 (Oct 2015) |
| Tax Bill | $2,857 (2026) |
| Deeds & Mortgages | Nov 2023 Second Mortgage Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-141481 |
| Primary APN | 01-141481 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,364 sqft Total Area |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| 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 |
| Deck Area | 372 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 141481 |
|---|---|
| Street Address | 119 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 33 34/34X148 119 BREAKWATER COURT RUMSEY ISL P34 P 41/17 |
| Legal Subdivision | JOPPATOWNE |
| Legal Block | 24 |
| Legal Lot Number | 33,119 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 301401 |
119 Breakwater Ct, a townhouse, is owned and occupied by two individuals who acquired it in August 2021.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 119 BREAKWATER CT, JOPPA, MD 21085-4505 |
| 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 |
|---|---|
| Nov 9, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ABERDEEN PROVING GROUND FCU |
| Sep 20, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2015 · Amount on File |
| Deed Sale | Oct 9, 2015 · Amount on File |
| Prior Sale | Oct 9, 2015 · Amount on File |
| Deed Book / Page | 11483 / 403 |
| Last Transfer Date | Aug 20, 2021 |
| Transfer Doc | 0150380044 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 119 BREAKWATER CT, JOPPA, MD 21085-4505 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2023 |
| Title Company | GETZ TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0160890432 |
|---|---|
| Date | Nov 9, 2023 |
| Book Page | 16089/432 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Oct 25, 2043 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 20, 2021 |
| Property Address | 119 BREAKWATER CT, JOPPA, MD 21085-4505 |
| Document Number | 0150380044 |
| Book / Page | 15038 / 44 |
| Map Reference | MB HDC 41 FO 17 |
| Instrument Date | Aug 20, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | CARTER TITLE LLC, CHARTER TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 0001503849 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 15038/49 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 168 Months |
| Due | Sep 1, 2035 |
The 2026 property tax bill for 119 Breakwater Ct was $2,857, up 10.6% 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 | $2,857.00 (+10.61%) | $262,200 (+5.05%) | $274,800 (-) Land $121,300 Building $153,500 |
| 2025 | $2,583.00 | $249,600 | $274,800 Land $121,300 Building $153,500 |
| 2023 | $233,233 | $237,000 Land $121,300 Building $115,700 | |
| 2022 | $2,500.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 119 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 119 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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