Harford County property record for 126 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 | $264,900 (Aug 2017) |
| Tax Bill | $2,981 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-127624 |
| Primary APN | 01-127624 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,584 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 810 sqft |
| Deck Area | 360 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 127624 |
|---|---|
| Street Address | 126 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 44 34/34X134 126 BREAKWATER CT RUMSEY ISLAND PT 34/21 |
| Legal Subdivision | JOPPATOWNE |
| Legal Block | 23 |
| Legal Lot Number | 44,126 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 301401 |
Source: Harford County records · APN 01-127624
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 | 126 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 05, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Aug 15, 2017 | Deed, Transfer · Conventional Mortgage NEW PENN FINANCIAL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 15, 2017 · Amount on Record |
| Deed Sale | Aug 15, 2017 · Amount on Record |
| Prior Sale | May 05, 2015 · Amount on Record |
| Deed Document Number | 201712470-0242 |
| Deed Book / Page | 12470 / 242 |
| Prior Transfer Date | Sep 12, 2013 |
| Prior Transfer Doc | 0105150253 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 126 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SERVICES L |
| Name | Verified Name |
|---|
| Document Number | 0145510280 |
|---|---|
| Date | Mar 05, 2021 |
| Book Page | 14551/280 |
| Name | NEWREZ LLC |
|---|---|
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Aug 15, 2017 |
| Property Address | 126 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Document Number | 0124700242 |
| Book / Page | 12470 / 0242 |
| Map Reference | MB HDC34 FO21 |
| Instrument Date | Jun 23, 2017 |
| Instrument | 12470-0242 |
| Transaction Type | Transfer |
| Record Updated | Aug 03, 2021 |
| Title Company | FIRST EQUITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,011.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 126 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Document Number | 124700249 |
|---|---|
| Date | Aug 15, 2017 |
| Instrument | 12470-0249 |
| Name | NEW PENN FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 01, 2047 |
Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
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 | $306,000 (+5.59%) | $322,200 (-) Land $120,400 Building $201,800 | |
| 2025 | $2,981.00 (+3.61%) | $289,800 (+7.81%) | $322,200 (+17.76%) Land $120,400 Building $201,800 |
| 2023 | $268,800 | $273,600 Land $120,400 Building $153,200 | |
| 2022 | $2,877.00 |
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
| 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 493 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HARFORD COUNTY D.P.W. serves 104,567 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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