20 Neptune Dr, Joppa, MD 21085 Property Records

Harford County property record for 20 Neptune Dr, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,100 sqft · built 1971
Lot Size	0.37 acres (16,097 sqft)
Owner	2 Individual Names on Record
Last Sale	$670,000 (Jan 2026)
Tax Bill	$4,138 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-122665`

Property Details

APN / Parcel Number

Primary APN	`01-122665`
Alternative APNs	`1122665` `122665`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,100 sqft Total Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	16,097 sqft (0.37 acres)
Lot Dimensions	235 ft deep x 63 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	392 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	700 sqft
Porch	Slab
Porch Area	70 sqft
Deck Area	168 sqft
Patio Area	600 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	122665
Street Address	20 NEPTUNE DR
City	JOPPA
State	MD
Zip	21085-4520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 22 74/63X235 AV 20 NEPTUNE DRIVE RUMSEY ISL P4 PT 17/1
Legal Subdivision	RUMSEY ISLAND
Legal Block	88
Legal Lot Number	22
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	4
Census Block	4000
Census Tract	301401

Owner

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	20 NEPTUNE DR, JOPPA, MD 21085-4520
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jul 31, 2025	Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FCU
Jan 29, 2026	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2026 · Amount on Record
Deed Sale	Jan 29, 2026 · Amount on Record
Prior Sale	Aug 26, 2010 · Amount on Record
Deed Book / Page	16982 / 31
Transfer Doc	0031630704
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	20 NEPTUNE DR, JOPPA, MD 21085-4520
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0148220125
Date	Jun 11, 2021
Book Page	14822/125

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Apr 1, 2051

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	20 NEPTUNE DR, JOPPA, MD 21085-4520
Transaction Type	Mortgage
Record Updated	Feb 9, 2026
Title Company	GETZ TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 NEPTUNE DR, JOPPA, MD 21085-4520

Mortgage

Document Number	0167500246
Date	Jul 31, 2025
Book Page	16750/246

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jan 29, 2026
Property Address	20 NEPTUNE DR, JOPPA, MD 21085-4520
Document Number	0169820031
Book / Page	16982 / 31
Map Reference	MB GRG 17 FO 1
Instrument Date	Dec 20, 2025
Transaction Type	Transfer
Record Updated	Feb 9, 2026
Title Company	LEGACY SETTLEMENT SERVICES LLC, LEGACY SETTLEMENT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,350.00
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 by the Entirety
Address	20 NEPTUNE DR, JOPPA, MD 21085-4520

Mortgage

Document Number	0001698238
Date	Jan 29, 2026
Instrument	16982/38

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

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		$418,700 (+4.88%)	$438,200 (-) Land $167,400 Building $270,800
2025	$4,138.00 (+1.87%) Homeowner's exemption	$399,200 (+6.11%)	$438,200 (+15.41%) Land $167,400 Building $270,800
2023		$376,200	$379,700 Land $167,400 Building $212,300
2022	$4,062.00

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 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	Hurricane Isabel, Sep 2003 · 10 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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 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

Cell Coverage

5G and 4G LTE (outdoors only)

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