Harford County property record for 2 Old Sound Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,824 sqft · built 1976 |
| Lot Size | 0.25 acres (10,881 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $415,000 (Jan 2026) |
| Tax Bill | $2,822 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Jan 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-130986 |
| Primary APN | 01-130986 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,824 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,881 sqft (0.25 acres) |
| Lot Dimensions | 93 ft deep x 121 ft wide |
| Pool Area | 666 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 276 sqft |
| Patio Area | 492 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 130986 |
|---|---|
| Street Address | 2 OLD SOUND RD |
| City | JOPPA |
| State | MD |
| Zip | 21085-4525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LT 1 113/121X93 2 OLD SOUND ROAD RUMSEY ISL PT 28/21 |
| Legal Subdivision | JOPPATOWNE |
| Legal Block | 89 |
| Legal Lot Number | 1,2 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 301401 |
Source: Harford County records, as of August 18, 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 | 2 OLD SOUND RD, JOPPA, MD 21085-4525 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 31, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FCU OF MARYLAND |
| Jan 12, 2026 | Deed, Transfer · Stand-Alone First Mortgage KATHERINE KELLY |
| Jan 17, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL FCU OF MARYLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2026 · Amount on Record |
| Deed Sale | Jan 12, 2026 · Amount on Record |
| Prior Sale | Oct 30, 1989 · Amount on Record |
| Deed Book / Page | 16963 / 463 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 2 OLD SOUND RD, JOPPA, MD 21085-4525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0154420028 |
|---|---|
| Date | Mar 31, 2022 |
| Book Page | 15442/28 |
| Name | FIRST FINANCIAL FCU OF MARYLAND |
|---|---|
| Type | Credit Union |
| Address | SPARKS GLENCOE, MD 21152 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jan 12, 2026 |
| Property Address | 2 OLD SOUND RD, JOPPA, MD 21085-4525 |
| Document Number | 0169630463 |
| Book / Page | 16963 / 463 |
| Map Reference | MB HDC 28 FO 21 |
| Instrument Date | Dec 4, 2025 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Title Company | RE TITLE SERVICES LLC, RAVEN TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,075.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2 OLD SOUND RD, JOPPA, MD 21085-4525 |
| Document Number | 0016963471 |
|---|---|
| Date | Jan 12, 2026 |
| Instrument | 16963/471 |
| Name | KATHERINE KELLY |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 2 OLD SOUND RD, JOPPA, MD 21085-4525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0126730010 |
|---|---|
| Date | Jan 17, 2018 |
| Book Page | 12673/0010 |
| Instrument | 12673-0010 |
| Name | FIRST FINANCIAL FCU OF MARYLAND |
|---|---|
| Type | Credit Union |
| Address | LUTHERVILLE TIMONIUM, MD 21093 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 1, 2028 |
Source: Harford County assessment roll, as of August 12, 2025
| 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 | $290,600 (+5.75%) | $306,400 (-) Land $82,200 Building $224,200 | |
| 2025 | $2,822.00 (+6.17%) Homeowner's exemption | $274,800 (+9.28%) | $306,400 (+18.3%) Land $82,200 Building $224,200 |
| 2023 | $251,467 | $259,000 Land $82,200 Building $176,800 | |
| 2022 | $2,658.00 |
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 · 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 |
| 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 |
|
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: 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 236 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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