Harford County property record for 3520 Clayton Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 960 sqft · built 1959 |
| Lot Size | 0.589 acres (25,656 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $315,000 (Mar 2022) |
| Tax Bill | $3,302 (2026) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-006398 |
| Primary APN | 01-006398 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 960 sqft Total Area |
| Basement Area | 575 sqft |
| Finished Basement | 575 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 25,656 sqft (0.589 acres) |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 006398 |
|---|---|
| Street Address | 3520 CLAYTON RD |
| City | JOPPA |
| State | MD |
| Zip | 21085-2802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | 0.589 AC 3520 CLAYTON ROAD S OF SINGER |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 301201 |
Source: Harford County records, as of October 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3520 CLAYTON RD, JOPPA, MD 21085-2802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 18, 2022 | Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Sep 13, 2019 | Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Jun 19, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage ABERDEEN PROVING GROUND FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 18, 2022 · Amount on Record |
| Deed Sale | Mar 18, 2022 · Amount on Record |
| Prior Sale | Sep 13, 2019 · Amount on Record |
| Deed Book / Page | 15422 / 19 |
| Prior Transfer Date | May 3, 2017 |
| Prior Transfer Doc | 0123920463 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Mar 18, 2022 |
| Property Address | 3520 CLAYTON RD, JOPPA, MD 21085-2802 |
| Document Number | 0154220019 |
| Book / Page | 15422 / 19 |
| Instrument Date | Feb 25, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| 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 in Severalty |
| Document Number | 0001542226 |
|---|---|
| Date | Mar 18, 2022 |
| Instrument | 15422/26 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 13, 2019 |
| Property Address | 3520 CLAYTON RD, JOPPA, MD 21085-2802 |
| Document Number | 0134410427 |
| Book / Page | 13441 / 0427 |
| Instrument Date | Sep 3, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | MAIN STREET TITLE LLC |
| 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 | Joint Tenants |
| Address | 3520 CLAYTON RD, JOPPA, MD 21085-2802 |
| Document Number | 0013441434 |
|---|---|
| Date | Sep 13, 2019 |
| Instrument | 13441/434 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jun 19, 2017 |
| Property Address | 3520 CLAYTON RD, JOPPA, MD 21085-2802 |
| Document Number | 0123920463 |
| Book / Page | 12392 / 0463 |
| Instrument Date | May 3, 2017 |
| Instrument | 12392-0463 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | EASTERN TITLE & SETTLEMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3520 CLAYTON RD, JOPPA, MD 21085-2802 |
| Document Number | 123920467 |
|---|---|
| Date | Jun 19, 2017 |
| Instrument | 12392-0467 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2047 |
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 | $3,302.00 (+26.32%) Homeowner's exemption | $297,500 (+33.95%) Land $88,300 Building $209,200 | $297,500 (+33.95%) Land $88,300 Building $209,200 |
| 2025 | $2,614.00 (+8.74%) Homeowner's exemption | ||
| 2023 | $222,100 Land $88,300 Building $133,800 | $222,100 Land $88,300 Building $133,800 | |
| 2022 | $2,404.00 |
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
| 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.
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 |
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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