1404 Clayton Rd, Joppa, MD 21085 Property Records

Harford County property record for 1404 Clayton Rd, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,100 sqft · built 2014
Lot Size	0.479 acres (20,865 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Dec 2021)
Tax Bill	$4,753 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-396991`

Property Details

APN / Parcel Number

Primary APN	`01-396991`
Alternative APN	`396991`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,100 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,865 sqft (0.479 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	72 sqft
Patio Area	323 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	396991
Street Address	1404 CLAYTON RD
City	JOPPA
State	MD
Zip	21085-3231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 4 20865 SF 1404 CLAYTON ROAD 1402 CLAYTON 138/3
Legal Subdivision	1402 CLAYTON ROAD
Legal Lot Number	4
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	1
Census Block	1039
Census Tract	301301

Owner

1404 Clayton Rd is owned and occupied by an individual who bought it in December 2021.

Source: Harford County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	1404 CLAYTON RD, JOPPA, MD 21085-3231
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2021 · Amount on File
Deed Sale	Dec 3, 2021 · Amount on File
Prior Sale	Mar 5, 2014 · Amount on File
Deed Book / Page	15224 / 60
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Dec 3, 2021
Property Address	1404 CLAYTON RD, JOPPA, MD 21085-3231
Document Number	0152240060
Book / Page	15224 / 60
Map Reference	LB JR 138 FO 003
Instrument Date	Nov 30, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	NOT AVAILABLE, ADMIRAL TTL LLC DBA ADMIRAL

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1404 CLAYTON RD, JOPPA, MD 21085-3231

Mortgage

Document Number	0001522468
Date	Dec 3, 2021
Instrument	15224/68

Lender

Name	COASTAL LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 1404 Clayton Rd was $4,753 with a homeowner's exemption, up 15.7% from the year before.

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,753.00 (+15.67%) Homeowner's exemption	$436,100 Land $76,500 Building $359,600	$436,100 Land $76,500 Building $359,600
2025	$4,109.00 Homeowner's exemption
2023		$358,300 Land $76,500 Building $281,800	$358,300 Land $76,500 Building $281,800
2022	$3,769.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1404 Clayton Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	6 (1979–2025)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jul 2025 · river or lake flooding
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 claims

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.

Wildfire

Wildfire risk around 1404 Clayton Rd 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARFORD COUNTY D.P.W. serves 104,567 people · EPA ID MD0120016
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20