Harford County property record for 245 Staysail Dr, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 1,680 sqft · built 2011 |
| Lot Size | 0.058 acres (2,520 sqft) |
| Owner | Individual Name on File |
| Last Sale | $258,275 (Jan 2012) |
| Tax Bill | $3,580 (2026) |
| Deeds & Mortgages | Mar 2020 Loan Modification Jun 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-389939 |
| Primary APN | 01-389939 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Total Area |
| Basement Area | 620 sqft |
| Finished Basement | 620 sqft |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,520 sqft (0.058 acres) |
| Garage Type | Basement |
| Garage Area | 190 sqft |
| Deck Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 389939 |
|---|---|
| Street Address | 245 STAYSAIL DR |
| City | JOPPA |
| State | MD |
| Zip | 21085-4125 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LOT 58 2520 SF 245 STAYSAIL DRIVE MAGNOLIA LANDING 134/40 |
| Legal Subdivision | MAGNOLIA LNDG 03 |
| Legal Lot Number | 58 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 301402 |
245 Staysail Dr, a townhouse, is owned and occupied by an individual who bought it in January 2012.
Source: Harford County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 245 STAYSAIL DR, JOPPA, MD 21085-4125 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 26, 2020 | Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK |
| Jun 29, 2017 | Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 5, 2012 · Amount on File |
| Deed Sale | Jan 5, 2012 · Amount on File |
| Prior Sale | Aug 31, 2011 · Amount on File |
| Deed Book / Page | 9475 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 245 STAYSAIL DR, JOPPA, MD 21085-4125 |
| Document Number | 0138330142 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 245 STAYSAIL DR JOPPA MD 210854125, JOPPA, MD 21085-4125 |
| Document Number | 0138330142 |
|---|---|
| Date | May 6, 2020 |
| Book Page | 013833/000142 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 5, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 245 STAYSAIL DR, JOPPA, MD 21085-4125 |
| Document Number | 0124430320 |
| Instrument Date | Jun 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Name | Verified Name |
|---|---|
| Address | 245 STAYSAIL DR JOPPA MD 210854125, JOPPA, MD 21085-4125 |
| Document Number | 0124430320 |
|---|---|
| Date | Jul 27, 2017 |
| Book Page | 012443/000320 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71203 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 26, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
The 2026 property tax bill for 245 Staysail Dr was $3,580 with a homeowner's exemption, up 19.8% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| 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 | $3,580.00 (+19.77%) Homeowner's exemption | $328,500 Land $63,500 Building $265,000 | $328,500 Land $63,500 Building $265,000 |
| 2025 | $2,989.00 Homeowner's exemption | ||
| 2023 | $260,300 Land $63,500 Building $196,800 | $260,300 Land $63,500 Building $196,800 | |
| 2022 | $2,836.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 245 Staysail Dr in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
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 risk around 245 Staysail Dr is low, with less than a 0.01% annual chance of 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.
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 391 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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