Harford County property record for 1315 Winding Valley Dr, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,243 sqft · built 1971 |
| Lot Size | 0.623 acres (27,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Feb 2020) |
| Tax Bill | $3,786 (2026) |
| Deeds & Mortgages | Mar 2019 Mortgage Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-064290 |
| Primary APN | 01-064290 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,243 sqft Total Area |
| Basement Area | 930 sqft |
| Finished Basement | 930 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 27,117 sqft (0.623 acres) |
| Lot Dimensions | 262 ft deep x 109 ft wide |
| Deck Area | 240 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 064290 |
|---|---|
| Street Address | 1315 WINDING VALLEY DR |
| City | JOPPA |
| State | MD |
| Zip | 21085-1828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 21 98/109X262 AV 1315 WINDING VALLEY DR LAKESIDE VISTA P 14/75 |
| Legal Subdivision | SECTION 4-B REVISED LAKESIDE VISTA |
| Legal Lot Number | 21 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 301201 |
1315 Winding Valley Dr is owned and occupied by two individuals who bought it in February 2020.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1315 WINDING VALLEY DR, JOPPA, MD 21085-1828 |
| 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 |
|---|---|
| Mar 13, 2019 | Deed of Trust, Mortgage · FHA Mortgage NATIONAL BANK OF KANSAS CITY |
| Sep 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Feb 3, 2020 | Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2020 · Amount on File |
| Deed Sale | Feb 3, 2020 · Amount on File |
| Prior Sale | Dec 12, 2013 · Amount on File |
| Deed Book / Page | 13671 / 43 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1315 WINDING VALLEY DR, JOPPA, MD 21085-1828 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0131850127 |
|---|---|
| Date | Mar 13, 2019 |
| Book Page | 13185/0127 |
| Name | NATIONAL BANK OF KANSAS CITY |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64114 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 1315 WINDING VALLEY DR, JOPPA, MD 21085-1828 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | LIBERTY TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0150570288 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 15057/288 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Feb 3, 2020 |
| Property Address | 1315 WINDING VALLEY DR, JOPPA, MD 21085-1828 |
| Document Number | 0136710043 |
| Book / Page | 013671 / 000043 |
| Instrument Date | Jan 29, 2020 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2020 |
| Title Company | TITLE FORWARD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $530.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1315 WINDING VALLEY DR JOPPA MD 210851828, JOPPA, MD 21085-1828 |
| Document Number | 136710052 |
|---|---|
| Date | Feb 3, 2020 |
| Book Page | 013671/000052 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 2, 2050 |
The 2026 property tax bill for 1315 Winding Valley Dr was $3,786 with a homeowner's exemption, up 17.6% 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 | $3,786.00 (+17.61%) Homeowner's exemption | $341,900 Land $91,700 Building $250,200 | $341,900 Land $91,700 Building $250,200 |
| 2025 | $3,219.00 Homeowner's exemption | ||
| 2023 | $275,300 Land $91,700 Building $183,600 | $275,300 Land $91,700 Building $183,600 | |
| 2022 | $2,983.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1315 Winding Valley Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 1315 Winding Valley Dr 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 | 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 |
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