Harford County property record for 3713 Clayton Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 918 sqft · built 1949 |
| Lot Size | 2.08 acres (90,605 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,621 (2026) |
| Deeds & Mortgages | Jan 2023 Mortgage Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-084755 |
| Primary APN | 01-084755 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 918 sqft Total Area |
| Basement Area | 440 sqft |
| Finished Basement | 440 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Block |
| Roof Material | Composition Shingle |
| Lot Area | 90,605 sqft (2.08 acres) |
| Garage Type | Detached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 64 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 084755 |
|---|---|
| Street Address | 3713 CLAYTON RD |
| City | JOPPA |
| State | MD |
| Zip | 21085-2805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | 2.08 AC 3713 CLAYTON ROAD S OF BLEAK HEIGHTS |
| Legal Subdivision | BLEAK HEIGHTS |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 301201 |
3713 Clayton Rd is owned and occupied by two individuals who acquired it in February 2020.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3713 CLAYTON RD, JOPPA, MD 21085-2805 |
| 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 |
|---|---|
| Jan 17, 2023 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Feb 18, 2020 | Intrafamily Transfer, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 2020 |
| Deed Sale | Feb 18, 2020 |
| Prior Sale | Aug 25, 2015 · Amount on File |
| Deed Book / Page | 13694 / 225 |
| Prior Transfer Date | Jan 24, 2020 |
| Prior Transfer Doc | 0136940225 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 3713 CLAYTON RD, JOPPA, MD 21085-2805 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3713 CLAYTON RD, JOPPA, MD 21085-2805 |
| Document Number | 0157960391 |
|---|---|
| Date | Jan 17, 2023 |
| Book Page | 15796/391 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Feb 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Feb 18, 2020 |
| Property Address | 3713 CLAYTON RD, JOPPA, MD 21085-2805 |
| Document Number | 0136940225 |
| Book / Page | 13694 / 0225 |
| Instrument Date | Jan 24, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3713 CLAYTON RD, JOPPA, MD 21085-2805 |
| Document Number | 0013694230 |
|---|---|
| Date | Feb 18, 2020 |
| Instrument | 13694/230 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
The 2026 property tax bill for 3713 Clayton Rd was $2,621 with a homeowner's exemption, up 9.2% 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 | $2,621.00 (+9.21%) Homeowner's exemption | $235,000 (+4.51%) Land $110,400 Building $124,600 | $235,000 (-) Land $110,400 Building $124,600 |
| 2025 | $2,400.00 Homeowner's exemption | $224,867 | $235,000 Land $110,400 Building $124,600 |
| 2023 | $204,600 Land $110,400 Building $94,200 | $204,600 Land $110,400 Building $94,200 | |
| 2022 | $2,257.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3713 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 3713 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 | 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 23 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 |
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