Harford County property record for 132 Breakwater Ct, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,584 sqft · built 1977 |
| Lot Size | 0.235 acres (10,258 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,716 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Aug 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-145673 |
| Primary APN | 01-145673 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,584 sqft Total Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,258 sqft (0.235 acres) |
| Lot Dimensions | 184 ft deep x 94 ft wide |
| View / Lot | Waterfront |
| Deck Area | 624 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 145673 |
|---|---|
| Street Address | 132 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 47 175/94X184 132 BREAKWATER COURT RUMSEY ISL PT 34/21 |
| Legal Subdivision | RUMSEY ISLAND |
| Legal Block | 23 |
| Legal Lot Number | 47,132 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 301401 |
Source: Harford County records · APN 01-145673
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 | Individual Name on File |
|---|---|
| Mailing Address | 132 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Jan 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage REDWOOD CAPITAL INC |
| Aug 30, 2022 | Deed of Trust, Mortgage · Line of Credit ROSEDALE FSLA |
| Apr 01, 2021 | Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 24, 2008 |
| Deed Sale | Jun 24, 2008 |
| Prior Sale | May 26, 1988 · Amount on Record |
| Deed Document Number | 20082719 |
| Deed Book / Page | 7865 / 37 |
| Prior Transfer Date | Jun 11, 2008 |
| Prior Transfer Doc | 0078650042 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 132 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0143710106 |
|---|---|
| Date | Jan 04, 2021 |
| Book Page | 14371/106 |
| Name | REDWOOD CAPITAL INC |
|---|---|
| Type | Non-Lending Institution |
| Address | ANNAPOLIS, MD 21401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 132 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0156520121 |
|---|---|
| Date | Aug 30, 2022 |
| Book Page | 15652/121 |
| Name | ROSEDALE FSLA |
|---|---|
| Type | Bank |
| Address | NOTTINGHAM, MD 21236 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Apr 01, 2021 |
| Property Address | 132 BREAKWATER CT, JOPPA, MD 21085-4506 |
| Document Number | 0146310139 |
| Book / Page | 14631 / 139 |
| Map Reference | MB 34 FO 21 |
| Instrument Date | Jan 11, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 132 BREAKWATER CT, JOPPA, MD 21085-4506 |
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 | $277,267 (+5.33%) | $291,300 (-) Land $131,800 Building $159,500 | |
| 2025 | $2,716.00 (+3.15%) | $263,233 (+7.25%) | $291,300 (+16.89%) Land $131,800 Building $159,500 |
| 2023 | $245,433 | $249,200 Land $131,800 Building $117,400 | |
| 2022 | $2,633.00 |
Source: FEMA National Flood Hazard Layer, Harford County (24025C), as of October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240253014014, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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, water system MD0120016, 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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