158 Garnett Rd, Joppa, MD 21085 Property Records

Harford County property record for 158 Garnett Rd, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,240 sqft · built 1966
Lot Size	0.285 acres (12,420 sqft)
Owner	2 Individual Names on Record
Last Sale	$105,000 (Jan 1996)
Tax Bill	$2,611 (2026)
Deeds & Mortgages	Jul 2017 Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-120506`

Property Details

APN / Parcel Number

Primary APN	`01-120506`
Alternative APNs	`1120506` `120506`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,240 sqft Total Area
Basement Area	620 sqft
Finished Basement	620 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,420 sqft (0.285 acres)
Lot Dimensions	115 ft deep x 116 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	56 sqft
Deck Area	308 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	120506
Street Address	158 GARNETT RD
City	JOPPA
State	MD
Zip	21085-4602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 13 100/116X115 158 GARNETT ROAD JOPPATOWNE SC5 PT 17/61
Legal Subdivision	JOPPATOWNE
Legal Block	49
Legal Lot Number	13,158
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	3
Census Block	3009
Census Tract	301401

Owner

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	2 Individual Names on Record
Mailing Address	158 GARNETT RD, JOPPA, MD 21085-4602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2017	Deed of Trust, Mortgage · VA Mortgage DITECH FINANCIAL LLC
Feb 11, 2020	Deed of Trust, Mortgage · VA Mortgage LENDING 3 INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 1996 · Amount on Record
Deed Sale	Jan 29, 1996 · Amount on Record
Deed Document Number	19961353
Deed Book / Page	2336 / 978
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	158 GARNETT RD, JOPPA, MD 21085-4602
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0124260296
Date	Jul 13, 2017
Book Page	12426/0296
Instrument	12426-0296

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	158 GARNETT RD, JOPPA, MD 21085-4602
Document Number	0137170425
Instrument Date	Feb 11, 2020
Transaction Type	Mortgage
Record Updated	Mar 13, 2020
Title Company	AMERICS TITLE CORPORATION, AMERICS TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	158 GARNETT RD JOPPA MD 210854602, JOPPA, MD 21085-4602

Mortgage

Document Number	0137170425
Date	Mar 2, 2020
Book Page	013717/000425

Lender

Name	LENDING 3 INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

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	$2,611.00 (+10.59%) Homeowner's exemption	$239,633 (+15.13%)	$251,100 (+15.87%) Land $69,600 Building $181,500
2025	$2,361.00 (+8.55%) Homeowner's exemption
2023		$208,133	$216,700 Land $69,600 Building $147,100
2022	$2,175.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	13 (1978–2014)
Claims Outside the SFHA	8 of 13
Most Recent Claim	Jun 2014 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 3 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

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 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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