3 Neptune Dr, #B, Joppa, MD 21085 Property Records

Harford County property record for 3 Neptune Dr, #B, Joppa, MD 21085

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,098 sqft · built 1972
Lot Size	0.059 acres (2,550 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Feb 2017)
Tax Bill	$2,566 (2026)
Deeds & Mortgages	Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-119958`

Property Details

APN / Parcel Number

Primary APN	`01-119958`
Alternative APNs	`1119958` `119958`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,098 sqft Total Area
Utility Area	72 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,550 sqft (0.059 acres)
Lot Dimensions	150 ft deep x 17 ft wide
View / Lot	Waterfront
Porch	Slab
Porch Area	264 sqft
Deck Area	132 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	119958
Street Address	3 NEPTUNE DR, B
City	JOPPA
State	MD
Zip	21085-4521
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3
Legal Description	LT 128 17/17X150 3-B NEPTUNE DRIVE RUMSEY ISL PT 25 P 23/67
Legal Subdivision	RUMSEY ISLAND PART TWENTY FIVE
Legal Block	88
Legal Lot Number	3,128
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	4
Census Block	4000
Census Tract	301401

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3 NEPTUNE DR, B, JOPPA, MD 21085-4521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2017 · Amount on Record
Deed Sale	Feb 3, 2017 · Amount on Record
Prior Sale	Aug 31, 2005 · Amount on Record
Deed Document Number	201712214-0215
Deed Book / Page	12214 / 215
Record Updated	Oct 29, 2026

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Feb 3, 2017
Property Address	3 NEPTUNE DR # B, B, JOPPA, MD 21085-4521
Document Number	0122140215
Book / Page	12214 / 0215
Map Reference	MB GRG 23 FO67
Instrument Date	Oct 20, 2016
Instrument	12214-0215
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,137.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 NEPTUNE DR, 3, JOPPA, MD 21085-4521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 NEPTUNE DR # B, B, JOPPA, MD 21085-4521

Mortgage

Document Number	0122140222
Date	Feb 3, 2017
Book Page	12214/0222
Instrument	12214-0222

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Nov 1, 2046

Tax Assessment & Valuation

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	$2,566.00 (+4.99%) Homeowner's exemption	$235,500 (+6.46%)	$241,100 (+7.49%) Land $123,000 Building $118,100
2025	$2,444.00 (+2.82%) Homeowner's exemption
2023		$221,200	$224,300 Land $123,000 Building $101,300
2022	$2,377.00

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

Flood

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
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	24 (1978–2013)
Claims Outside the SFHA	10 of 24
Most Recent Claim	Jun 2013 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 10 claims

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

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 236 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

Cell Coverage

5G and 4G LTE (outdoors only)

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