Harford County property record for 320 Powdersby Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,440 sqft · built 2001 |
| Lot Size | 0.314 acres (13,677 sqft) |
| Owner | Individual Name on File |
| Last Sale | $398,000 (Aug 2005) |
| Tax Bill | $4,357 (2026) |
| Deeds & Mortgages | May 2022 Line of Credit Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-321234 |
| Primary APN | 01-321234 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,440 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 13,677 sqft (0.314 acres) |
| Garage Type | Mixed |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 321234 |
|---|---|
| Street Address | 320 POWDERSBY RD |
| City | JOPPA |
| State | MD |
| Zip | 21085-5421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1COS |
| Legal Description | LOT 182 13677 SF 320 POWDERSBY ROAD GUNPOWDER S2 P 96/18 |
| Legal Subdivision | GUNPOWDER |
| Legal Lot Number | 182 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 301301 |
320 Powdersby Rd is owned and occupied by an individual who acquired it in July 2021.
Source: Harford County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 320 POWDERSBY RD, JOPPA, MD 21085-5421 |
| 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.
| Date | Document |
|---|---|
| May 4, 2022 | Deed of Trust, Mortgage · Line of Credit MUNICIPAL EMPLOYEES CREDIT UNION OF BALT |
| Nov 24, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage LENOX FINANCIAL MORTGAGE CORPORATIO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2005 · Amount on File |
| Deed Sale | Aug 8, 2005 · Amount on File |
| Prior Sale | Sep 18, 2001 · Amount on File |
| Deed Document Number | 2005252 |
| Deed Book / Page | 6194 / 578 |
| Last Transfer Date | Jul 29, 2021 |
| Transfer Doc | 0152070410 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 320 POWDERSBY RD, JOPPA, MD 21085-5421 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | MARVEL TITLE AND ESCROW, MARVEL TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0154950493 |
|---|---|
| Date | May 4, 2022 |
| Book Page | 15495/493 |
| Name | MUNICIPAL EMPLOYEES CREDIT UNION OF BALT |
|---|---|
| Address | BALTIMORE, MD 21202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 3, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Nov 24, 2021 |
| Property Address | 320 POWDERSBY RD, JOPPA, MD 21085-5421 |
| Document Number | 0152070410 |
| Book / Page | 15207 / 410 |
| Map Reference | MB CGH 96 FO 18 |
| Instrument Date | Jul 29, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | WFG LENDER SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0015207416 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 15207/416 |
| Name | LENOX FINANCIAL MORTGAGE CORPORATIO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Aug 1, 2051 |
The 2026 property tax bill for 320 Powdersby Rd was $4,357, up 11.6% from the year before.
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 | $4,357.00 (+11.57%) | $399,833 (+5.48%) | $420,600 (-) Land $98,600 Building $322,000 |
| 2025 | $3,905.00 | $379,067 | $420,600 Land $98,600 Building $322,000 |
| 2023 | $345,767 | $358,300 Land $98,600 Building $259,700 | |
| 2022 | $3,631.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 Powdersby Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.
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 | 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.
Wildfire risk around 320 Powdersby Rd is low, with a 0.02% annual chance of wildfire.
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 156 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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