231 Garnett Rd, Joppa, MD 21085 Property Records

Harford County property record for 231 Garnett Rd, Joppa, MD 21085

Property Summary

Property Type	Exempt (Full or Partial)
Details	1.5 ba · 980 sqft · built 1967
Lot Size	0.398 acres (17,324 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Sep 2016)
Tax Bill	$3,125 (2023)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-131281`

Property Details

APN / Parcel Number

Primary APN	`01-131281`
Alternative APNs	`1131281` `131281`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	980 sqft Total Area
Basement Area	735 sqft
Finished Basement	735 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	17,324 sqft (0.398 acres)
Lot Dimensions	244 ft deep x 71 ft wide
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	131281
Street Address	231 GARNETT RD
City	JOPPA
State	MD
Zip	21085-4603
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R3
Legal Description	LTS 6 & 6A 17324 SF 231 GARNETT ROAD JOPPATOWNE S5 PT 17/61
Legal Subdivision	JOPPATOWNE
Legal Block	50
Legal Lot Number	6 6A
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	3
Census Block	3009
Census Tract	301401

Owner

Source: Harford County records · APN 01-131281

Assessment roll updated August 12, 2025 · Last verified August 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 File
Mailing Address	231 GARNETT RD, JOPPA, MD 21085-4603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 22, 2016 · Amount on Record
Deed Sale	Sep 22, 2016 · Amount on Record
Prior Sale	Sep 05, 2007
Deed Book / Page	12002 / 371
Transfer Doc	0000000433
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	231 GARNETT RD, JOPPA, MD 21085-4603
Transaction Type	Mortgage
Record Updated	Mar 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0153730319
Date	Feb 18, 2022
Book Page	15373/319

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

Tax Assessment & Valuation

Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$310,833 (+8.41%)	$321,800 (+11.39%) Land $149,800 Building $172,000
2023	$3,125.00 (+0.77%) Homeowner's exemption	$286,733	$288,900 Land $149,800 Building $139,100
2022	$3,101.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Harford County (24025C), as of October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240253014013, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	Hurricane Isabel, Sep 2003 · 3 claims

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 301 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MD0120016, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	HARFORD COUNTY D.P.W. serves 104,567 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.