Harford County property record for 32 Neptune Dr, Joppa, MD 21085 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,402 sqft · built 1966 |
| Lot Size | 0.477 acres (20,797 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Feb 2003) |
| Tax Bill | $4,868 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-135635 |
| Primary APN | 01-135635 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,402 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 20,797 sqft (0.477 acres) |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 360 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 312 sqft |
| Deck Area | 160 sqft |
| Patio Area | 156 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 135635 |
|---|---|
| Street Address | 32 NEPTUNE DR |
| City | JOPPA |
| State | MD |
| Zip | 21085-4520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 16 BK 88 20797 SF 32 NEPTUNE DRIVE RUMSEY ISLAND PT 16/89 |
| Legal Subdivision | RUMSEY ISLAND |
| Legal Block | 88 |
| Legal Lot Number | 16 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 301401 |
Source: Harford County records · APN 01-135635
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 32 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 04, 2003 · Amount on Record |
| Deed Sale | Feb 04, 2003 · Amount on Record |
| Deed Document Number | 20032201 |
| Deed Book / Page | 4384 / 27 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 32 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0144860358 |
|---|---|
| Date | Feb 11, 2021 |
| Book Page | 14486/358 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 01, 2051 |
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 | $569,967 (+28.76%) | $631,600 (+41.39%) Land $167,800 Building $463,800 | |
| 2025 | $4,868.00 (+1.84%) Homeowner's exemption | ||
| 2023 | $442,667 | $446,700 Land $167,800 Building $278,900 | |
| 2022 | $4,780.00 |
Source: FEMA National Flood Hazard Layer, Harford County (24025C), updated October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240253014014, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 18 individual NFIP policies nearby |
| 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 Storm |
|
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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, availability as of December 31, 2025 · Published October 2026 · based on 236 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fiber | 980 / 880 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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