Harford County property record for 3431 Clayton Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,110 sqft · built 1979 |
| Lot Size | 2.06 acres (89,734 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $345,000 (Nov 2017) |
| Tax Bill | $3,897 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage Nov 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-050125 |
| Primary APN | 01-050125 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,110 sqft Total Area |
| Basement Area | 780 sqft |
| Finished Basement | 780 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 89,734 sqft (2.06 acres) |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 80 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 050125 |
|---|---|
| Street Address | 3431 CLAYTON RD |
| City | JOPPA |
| State | MD |
| Zip | 21085-2603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | LOT 1 2.06 AC 3431 CLAYTON ROAD LD SALMONS PT 140/25 |
| Legal Subdivision | SALMONS P |
| Legal Lot Number | 1 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 301201 |
3431 Clayton Rd is owned and occupied by two individuals who bought it in November 2017.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3431 CLAYTON RD, JOPPA, MD 21085-2603 |
| 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 |
|---|---|
| Dec 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST WASHINGTON MORTGAGE |
| Nov 1, 2017 | Deed, Subdivision Related Transfer · Conventional Mortgage FIRST WASHINGTON MORTGAGE LLC |
| Jun 15, 2017 | Grant Deed, Transfer CLEARVIEW SETTLEMENT SOLUTIONS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2017 · Amount on File |
| Deed Sale | Nov 1, 2017 · Amount on File |
| Prior Sale | Jun 15, 2017 · Amount on File |
| Deed Document Number | 201712579-0412 |
| Deed Book / Page | 12579 / 412 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 3431 CLAYTON RD, JOPPA, MD 21085-2603 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0143010403 |
|---|---|
| Date | Dec 2, 2020 |
| Book Page | 14301/403 |
| Name | FIRST WASHINGTON MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | WASHINGTON, DC 20007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2041 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Nov 1, 2017 |
| Property Address | 3431 CLAYTON RD, JOPPA, MD 21085-2603 |
| Document Number | 0125790412 |
| Book / Page | 12579 / 0412 |
| Map Reference | MB HDC39 FO57 |
| Instrument Date | Oct 1, 2017 |
| Instrument | 12579-0412 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | ALL STAR TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3431 CLAYTON RD, JOPPA, MD 21085-2603 |
| Document Number | 125790417 |
|---|---|
| Date | Nov 1, 2017 |
| Instrument | 12579-0417 |
| Name | FIRST WASHINGTON MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jun 15, 2017 |
| Property Address | 3431 CLAYTON RD, JOPPA, MD 21085-2603 |
| Document Number | 0123880476 |
| Book / Page | 012388 / 000476 |
| Instrument Date | May 22, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2017 |
| Title Company | CLEARVIEW SETTLEMENT SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Tax | $110.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 19706 CAMERON MILL RD PARKTON MD 211208909, PARKTON, MD 21120-8909 |
The 2026 property tax bill for 3431 Clayton Rd was $3,897, up 12.5% 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 | $3,897.00 (+12.53%) | $352,100 Land $110,300 Building $241,800 | $352,100 Land $110,300 Building $241,800 |
| 2025 | $3,463.00 | ||
| 2023 | $292,300 Land $110,300 Building $182,000 | $292,300 Land $110,300 Building $182,000 | |
| 2022 | $3,209.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3431 Clayton Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 15, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3431 Clayton Rd is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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