1209 Whitaker Mill Rd, Joppa, MD 21085 Property Records

Harford County property record for 1209 Whitaker Mill Rd, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 3,059 sqft · built 1963
Lot Size	3.62 acres (157,687 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Apr 2017)
Tax Bill	$4,815 (2025)
Deeds & Mortgages	Apr 2019 Line of Credit Feb 2018 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`03-063097`

Property Details

APN / Parcel Number

Primary APN	`03-063097`
Alternative APNs	`3063097` `063097`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,059 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	157,687 sqft (3.62 acres)
Patio Area	960 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	063097
Street Address	1209 WHITAKER MILL RD
City	JOPPA
State	MD
Zip	21085-1016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	3.62 AC 1209 WHITAKER MILL ROAD WINTERS RUN HGTS P 15/92
Legal Subdivision	WHITAKER MILL ROAD WINTERS RUN
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2003
Census Tract	303400

Owner

Source: Harford County records · APN 03-063097

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	2 Individual Names on File
Mailing Address	1209 WHITAKER MILL RD, JOPPA, MD 21085-1016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 03, 2019	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FCU OF MARYLAND
Feb 02, 2018	Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Apr 17, 2017	Deed, Transfer · Balloon Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 17, 2017 · Amount on Record
Deed Sale	Apr 17, 2017 · Amount on Record
Deed Document Number	201712304-0378
Deed Book / Page	12304 / 378
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1209 WHITAKER MILL RD, JOPPA, MD 21085-1016
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0132100352
Date	Apr 03, 2019
Book Page	13210/0352

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 02, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1209 WHITAKER MILL RD, JOPPA, MD 21085-1016
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0126950188
Date	Feb 02, 2018
Book Page	12695/0188
Instrument	12695-0188

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1209 WHITAKER MILL RD, JOPPA, MD 21085-1016
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0142910086
Date	Nov 30, 2020
Book Page	14291/86

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2050

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Apr 17, 2017
Property Address	1209 WHITAKER MILL RD, JOPPA, MD 21085-1016
Document Number	0123040378
Book / Page	12304 / 0378
Map Reference	LB688 FO18
Instrument Date	Apr 14, 2017
Instrument	12304-0378
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	EAGLE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 WHITAKER MILL RD, JOPPA, MD 21085-1016

Mortgage

Document Number	0123040384
Date	Apr 17, 2017
Instrument	12304-0384

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Feb 01, 2018

Tax Assessment & Valuation

Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

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		$466,467 (+2.57%)	$489,800 (+7.7%) Land $133,400 Building $356,400
2025	$4,815.00 (+9.08%)	$454,800 (+8.82%) Land $133,400 Building $321,400	$454,800 (-) Land $133,400 Building $321,400
2023		$417,933 (+4.61%)	$454,800 (+13.84%) Land $133,400 Building $321,400
2022	$4,414.00 (-0.18%)	$399,500 Land $133,400 Building $266,100	$399,500 Land $133,400 Building $266,100
2021	$4,422.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 15, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Sep 1979 · tidal / storm surge

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 171 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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