Harford County property record for 317 Watertons Way, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,996 sqft · built 2001 |
| Lot Size | 0.195 acres (8,494 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $520,000 (Mar 2022) |
| Tax Bill | $5,687 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-320467 |
| Primary APN | 01-320467 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,996 sqft Total Area |
| Basement Area | 1,100 sqft |
| Finished Basement | 1,100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,494 sqft (0.195 acres) |
| Garage Type | Mixed |
| Garage Area | 408 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 512 sqft |
| Deck Area | 200 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 320467 |
|---|---|
| Street Address | 317 WATERTONS WAY |
| City | JOPPA |
| State | MD |
| Zip | 21085-5428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1COS |
| Legal Description | LOT 9 8494 SF 317 WATERTON'S WAY GUNPOWDER S1 P 96/14 |
| Legal Subdivision | GUNPOWDER 04 PH 01 SEC 01 |
| Legal Lot Number | 9 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 301301 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 317 WATERTONS WAY, JOPPA, MD 21085-5428 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage APG FCU |
| Mar 3, 2022 | Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2022 · Amount on Record |
| Deed Sale | Mar 3, 2022 · Amount on Record |
| Prior Sale | Feb 7, 2001 · Amount on Record |
| Deed Book / Page | 15393 / 300 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 317 WATERTONS WAY, JOPPA, MD 21085-5428 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0142650478 |
|---|---|
| Date | Nov 17, 2020 |
| Book Page | 14265/478 |
| Name | APG FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Mar 3, 2022 |
| Property Address | 317 WATERTONS WAY, JOPPA, MD 21085-5428 |
| Document Number | 0153930300 |
| Book / Page | 15393 / 300 |
| Map Reference | MB 96 PG 14 |
| Instrument Date | Feb 28, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| 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 by the Entirety |
| Address | 317 WATERTONS WAY, JOPPA, MD 21085-5428 |
| Document Number | 0015393308 |
|---|---|
| Date | Mar 3, 2022 |
| Instrument | 15393/308 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
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 | $5,687.00 (+20.64%) Homeowner's exemption | $521,800 (+26.53%) | $566,400 (+30.93%) Land $98,100 Building $468,300 |
| 2025 | $4,714.00 (+10.29%) Homeowner's exemption | ||
| 2023 | $412,400 | $432,600 Land $98,100 Building $334,500 | |
| 2022 | $4,274.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 8 (1978–2022) |
| Claims Outside the SFHA | 3 of 8 |
| Most Recent Claim | Aug 2022 · rainfall accumulation |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 152 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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