Harford County property record for 1305 Winding Valley Dr, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,962 sqft · built 1964 |
| Lot Size | 0.419 acres (18,251 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,276 (2026) |
| Deeds & Mortgages | Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-054198 |
| Primary APN | 01-054198 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,962 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 18,251 sqft (0.419 acres) |
| Garage Type | Attached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 208 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 054198 |
|---|---|
| Street Address | 1305 WINDING VALLEY DR |
| City | JOPPA |
| State | MD |
| Zip | 21085-1823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LT 10 18251 SF 1305 WINDING VALLEY DR LAKESIDE VISTA P 13/38 |
| Legal Subdivision | LAKESIDE VISTA |
| Legal Lot Number | 10 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 301201 |
Source: Harford County records, as of August 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1305 WINDING VALLEY DR, JOPPA, MD 21085-1823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1305 WINDING VALLEY DR, JOPPA, MD 21085-1823 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ASSURANCE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0136770399 |
|---|---|
| Date | Feb 5, 2020 |
| Book Page | 13677/0399 |
| Name | UNIVERSAL MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | EDGEWATER, MD 21037 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
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 | $4,276.00 (+15.35%) Homeowner's exemption | $386,900 (+25.41%) Land $90,800 Building $296,100 | $386,900 (+25.41%) Land $90,800 Building $296,100 |
| 2025 | $3,707.00 (+11.19%) Homeowner's exemption | ||
| 2023 | $308,500 Land $90,800 Building $217,700 | $308,500 Land $90,800 Building $217,700 | |
| 2022 | $3,334.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | Direct burnable vegetation |
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 | MD AMERICAN WATER LAKESIDE VISTA private · serves 226 people · EPA ID MD0120014 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
5G (outdoors only) and 4G LTE
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