Harford County property record for 227 Garnett Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,473 sqft · built 1974 |
| Lot Size | 0.379 acres (16,502 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Oct 1993) |
| Tax Bill | $3,613 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-132172 |
| Primary APN | 01-132172 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,473 sqft Total Area |
| Basement Area | 714 sqft |
| Finished Basement | 714 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 16,502 sqft (0.379 acres) |
| Lot Dimensions | 223 ft deep x 73 ft wide |
| View / Lot | Waterfront |
| Deck Area | 228 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 132172 |
|---|---|
| Street Address | 227 GARNETT RD |
| City | JOPPA |
| State | MD |
| Zip | 21085-4603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LTS 8 & 8A 75/73X223 227 GARNETT ROAD JOPPATOWNE S5 PT 17/61 |
| Legal Subdivision | JOPPATOWNE |
| Legal Block | 50 |
| Legal Lot Number | 8 8A |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 3 |
| Census Block | 3009 |
| 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 | 227 GARNETT RD, JOPPA, MD 21085-4603 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 1993 · Amount on Record |
| Deed Sale | Oct 28, 1993 · Amount on Record |
| Deed Book / Page | 2028 / 981 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 227 GARNETT RD, JOPPA, MD 21085-4603 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0168870447 |
|---|---|
| Date | Nov 12, 2025 |
| Book Page | 16887/447 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 29, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $360,100 (+4.14%) | $374,400 (-) Land $149,400 Building $225,000 | |
| 2025 | $3,613.00 (+1.66%) Homeowner's exemption | $345,800 (+5.16%) | $374,400 (+12.94%) Land $149,400 Building $225,000 |
| 2023 | $328,833 | $331,500 Land $149,400 Building $182,100 | |
| 2022 | $3,554.00 |
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 100 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 |
|
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 | None beyond ember reach |
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 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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