249 Staysail Dr, Joppa, MD 21085 Property Records

Harford County property record for 249 Staysail Dr, Joppa, MD 21085

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,544 sqft · built 2011
Lot Size	0.048 acres (2,100 sqft)
Owner	2 Individual Names on File
Last Sale	$257,000 (Aug 2011)
Tax Bill	$3,171 (2026)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-389912`

Property Details

APN / Parcel Number

Primary APN	`01-389912`
Alternative APN	`389912`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,544 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,100 sqft (0.048 acres)
Garage Type	Basement
Garage Area	190 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	389912
Street Address	249 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 56 2100 SF 249 STAYSAIL DRIVE MAGNOLIA LANDING 131/73
Legal Subdivision	MAGNOLIA LNDG 01-10
Legal Lot Number	56
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2001
Census Tract	301402

Owner

249 Staysail Dr, a townhouse, is owned and occupied by two individuals who bought it in August 2011.

Source: Harford County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	249 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2011 · Amount on File
Deed Sale	Aug 23, 2011 · Amount on File
Prior Sale	May 12, 2011 · Amount on File
Deed Book / Page	9295 / 466
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	249 STAYSAIL DR, JOPPA, MD 21085-4125
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	VETERAN EXPRESS TITLE, VETERAN XPRRESS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151700078
Date	Nov 9, 2021
Book Page	15170/78

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 249 Staysail Dr was $3,171 with a homeowner's exemption, up 18.9% from the year before.

Source: Harford County assessment roll, as of August 25, 2026

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	$3,171.00 (+18.85%) Homeowner's exemption	$291,000 Land $63,000 Building $228,000	$291,000 Land $63,000 Building $228,000
2025	$2,668.00 Homeowner's exemption
2023		$232,400 Land $63,000 Building $169,400	$232,400 Land $63,000 Building $169,400
2022	$2,532.00

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

Flood

FEMA maps place 249 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

Wildfire risk around 249 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.

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 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