Harford County property record for 321 Powdersby Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,352 sqft · built 2001 |
| Lot Size | 0.252 acres (10,977 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $510,000 (Dec 2025) |
| Tax Bill | $4,306 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-321153 |
| Primary APN | 01-321153 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,352 sqft Total Area |
| Basement Area | 890 sqft |
| Finished Basement | 890 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,977 sqft (0.252 acres) |
| Garage Type | Mixed |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 432 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 321153 |
|---|---|
| Street Address | 321 POWDERSBY RD |
| City | JOPPA |
| State | MD |
| Zip | 21085-5422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1COS |
| Legal Description | LOT 176 10977 SF 321 POWDERSBY ROAD GUNPOWDER S2 P 96/18 |
| Legal Subdivision | GUNPOWDER 03 PH 01 SEC 02 |
| Legal Lot Number | 176 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 301301 |
Source: Harford County assessment roll, as of August 12, 2025
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 | 321 POWDERSBY RD, JOPPA, MD 21085-5422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 1, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 1, 2025 | Deed, Transfer · Conventional Mortgage NATIONWIDE MORTGAGE BANKERS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 1, 2025 · Amount on Record |
| Deed Sale | Dec 1, 2025 · Amount on Record |
| Prior Sale | Sep 28, 2012 · Amount on Record |
| Deed Book / Page | 16911 / 296 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 321 POWDERSBY RD, JOPPA, MD 21085-5422 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Title Company | REAL ESTATE TITLE AND ESCROW, REAL ESTATE STLMT & ESCROW L |
| Name | Verified Name |
|---|---|
| Address | 321 POWDERSBY RD, JOPPA, MD 21085-5422 |
| Document Number | 0153870449 |
|---|---|
| Date | Mar 1, 2022 |
| Book Page | 15387/449 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Dec 1, 2025 |
| Property Address | 321 POWDERSBY RD, JOPPA, MD 21085-5422 |
| Document Number | 0169110296 |
| Book / Page | 16911 / 296 |
| Map Reference | MB CGH96 PL 18 |
| Instrument Date | Oct 30, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2025 |
| Title Company | MAIN STREET TITLE OKC LLC, MAIN STREET TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,550.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 321 POWDERSBY RD, JOPPA, MD 21085-5422 |
| Document Number | 0016911302 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 16911/302 |
| Name | NATIONWIDE MORTGAGE BANKERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2055 |
Source: Harford County assessment roll, as of August 12, 2025
| 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 | $442,633 (+5.67%) | $466,400 (-) Land $98,300 Building $368,100 | |
| 2025 | $4,306.00 (+7.78%) Homeowner's exemption | $418,867 (+9.99%) | $466,400 (+18.05%) Land $98,300 Building $368,100 |
| 2023 | $380,833 | $395,100 Land $98,300 Building $296,800 | |
| 2022 | $3,995.00 |
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 |
|---|---|
| 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 USA Fixed Wireless | 100 / 20 |
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