Harford County property record for 305 Garnett Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,980 sqft · built 1964 |
| Lot Size | 0.283 acres (12,312 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,935 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Nov 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-147900 |
| Primary APN | 01-147900 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,980 sqft Total Area |
| Basement Area | 650 sqft |
| Finished Basement | 650 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 12,312 sqft (0.283 acres) |
| Lot Dimensions | 162 ft deep x 77 ft wide |
| Deck Area | 120 sqft |
| Patio Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 147900 |
|---|---|
| Street Address | 305 GARNETT RD |
| City | JOPPA |
| State | MD |
| Zip | 21085-4206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LT 3 BK 38 75/77X162 3O5 GARNETT ROAD JOPPATOWNE S3 PT 14/79 |
| Legal Subdivision | JOPPATOWNE |
| Legal Block | 38 |
| Legal Lot Number | 3 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 301401 |
Source: Harford County records · APN 01-147900
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 | Individual Name on File |
|---|---|
| Mailing Address | 305 GARNETT RD, JOPPA, MD 21085-4206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 14, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 25, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 19, 2009 |
| Deed Sale | Feb 19, 2009 |
| Deed Document Number | 20091116 |
| Deed Book / Page | 8028 / 95 |
| Last Transfer Date | May 03, 2023 |
| Transfer Doc | 0159160231 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jul 13, 2026 |
| Property Address | 305 GARNETT RD, JOPPA, MD 21085-4206 |
| Document Number | 1720000321 |
| Book / Page | 17205 / 321 |
| Instrument Date | Jul 08, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | ROCKET TITLE, ROCKET CLOSE |
| Name | Verified Name |
|---|---|
| Address | 305 GARNETT RD, JOPPA, MD 21085-4206 |
| Document Number | 1720000321, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 17205/321 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Aug 01, 2066 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 305 GARNETT RD, JOPPA, MD 21085-4206 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Title Company | UNKNOWN, ROCKET CLOSE |
| Name | Verified Name |
|---|---|
| Address | 305 GARNETT RD, JOPPA, MD 21085-4206 |
| Document Number | 0168920242 |
|---|---|
| Date | Nov 14, 2025 |
| Book Page | 16892/242 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | May 25, 2023 |
| Property Address | 305 GARNETT RD, JOPPA, MD 21085-4206 |
| Document Number | 0159160231 |
| Book / Page | 15916 / 231 |
| Map Reference | MB GRG 14 FO 79 |
| Instrument Date | May 03, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jun 06, 2023 |
| Title Company | ATLAND TITLE GROUP LIMITED, MARYLAND TITLE GROUP LTD |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 305 GARNETT RD, JOPPA, MD 21085-4206 |
| Document Number | 0159160236 |
|---|---|
| Date | May 25, 2023 |
| Instrument | 15916-0236 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
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 | $300,367 (+5.45%) | $315,900 (-) Land $69,600 Building $246,300 | |
| 2025 | $2,935.00 (+9.15%) Homeowner's exemption | $284,833 (+10.39%) | $315,900 (+17.3%) Land $69,600 Building $246,300 |
| 2023 | $258,033 | $269,300 Land $69,600 Building $199,700 | |
| 2022 | $2,689.00 |
Source: FEMA National Flood Hazard Layer as of October 15, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 2 (1996–2025) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
| 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.
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.
Source: EPA Safe Drinking Water Information System 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 |
| 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.
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