Harford County property record for 246 Staysail Dr, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 1,320 sqft · built 2010 |
| Lot Size | 0.058 acres (2,520 sqft) |
| Owner | Individual Name on File |
| Last Sale | $246,000 (Dec 2020) |
| Tax Bill | $2,851 (2026) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Dec 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-390449 |
| Primary APN | 01-390449 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Total Area |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,520 sqft (0.058 acres) |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 390449 |
|---|---|
| Street Address | 246 STAYSAIL DR |
| City | JOPPA |
| State | MD |
| Zip | 21085-4124 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LOT 104 2520 SF 246 STAYSAIL DRIVE MAGNOLIA LANDING 134/40 |
| Legal Subdivision | MAGNOLIA LNDG 03 |
| Legal Lot Number | 104 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 301402 |
246 Staysail Dr, a townhouse, is owned and occupied by an individual who bought it in December 2020.
Source: Harford County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 246 STAYSAIL DR, JOPPA, MD 21085-4124 |
| 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 |
|---|---|
| Dec 11, 2020 | Deed, Transfer · VA Mortgage NAVY FCU |
| Dec 30, 2019 | Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG |
| Dec 10, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2020 · Amount on File |
| Deed Sale | Dec 11, 2020 · Amount on File |
| Prior Sale | Apr 18, 2014 · Amount on File |
| Deed Book / Page | 14330 / 431 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Dec 11, 2020 |
| Property Address | 246 STAYSAIL DR, JOPPA, MD 21085-4124 |
| Document Number | 0143300431 |
| Book / Page | 14330 / 431 |
| Map Reference | MB JJR 134 PG 40 |
| Instrument Date | Nov 24, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | UNIVERSAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 246 STAYSAIL DR, JOPPA, MD 21085-4124 |
| Document Number | 0143300438 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 14330/438 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 246 STAYSAIL DR, JOPPA, MD 21085-4124 |
| Document Number | 0136600205 |
| Instrument Date | Dec 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 246 STAYSAIL DR JOPPA MD 210854124, JOPPA, MD 21085-4124 |
| Document Number | 0136600205 |
|---|---|
| Date | Jan 28, 2020 |
| Book Page | 013660/000205 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 27, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 246 STAYSAIL DR, JOPPA, MD 21085-4124 |
| Document Number | 0136600213 |
| Instrument Date | Dec 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 246 STAYSAIL DR JOPPA MD 210854124, JOPPA, MD 21085-4124 |
| Document Number | 0136600213 |
|---|---|
| Date | Jan 28, 2020 |
| Book Page | 013660/000213 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 27, 2050 |
The 2026 property tax bill for 246 Staysail Dr was $2,851, up 12.5% 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 | $2,851.00 (+12.47%) | $261,600 (+5.85%) Land $63,500 Building $198,100 | $261,600 (-) Land $63,500 Building $198,100 |
| 2025 | $2,535.00 | $247,133 | $261,600 Land $63,500 Building $198,100 |
| 2023 | $218,200 Land $63,500 Building $154,700 | $218,200 Land $63,500 Building $154,700 | |
| 2022 | $2,378.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 246 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 246 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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