Harford County property record for 40 Neptune Dr, Joppa, MD 21085 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,700 sqft · built 1966 |
| Lot Size | 0.427 acres (18,589 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $665,000 (May 2023) |
| Tax Bill | $4,864 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Mar 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-145169 |
| Primary APN | 01-145169 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,700 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 18,589 sqft (0.427 acres) |
| Lot Dimensions | 240 ft deep x 86 ft wide |
| View / Lot | Waterfront |
| Porch | Porch |
|---|---|
| Porch Area | 240 sqft |
| Deck Area | 104 sqft |
| Patio Area | 236 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 145169 |
|---|---|
| Street Address | 40 NEPTUNE DR |
| City | JOPPA |
| State | MD |
| Zip | 21085-4520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 12 67/86X240 40 NEPTUNE DRIVE RUMSEY ISL P 16/89 |
| Legal Subdivision | RUMSEY ISLAND |
| Legal Block | 88 |
| Legal Lot Number | 12,40 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 301401 |
Source: Harford County records · APN 01-145169
Assessment roll updated August 12, 2025 · Last verified August 2026
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 | 40 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 10, 2023 | Deed, Transfer · Conventional Mortgage COASTAL LENDING GROUP LLC |
| Mar 09, 2023 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Nov 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Oct 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 10, 2023 · Amount on Record |
| Deed Sale | May 10, 2023 · Amount on Record |
| Prior Sale | Feb 26, 2007 · Amount on Record |
| Deed Book / Page | 15900 / 306 |
| Prior Transfer Date | Jan 31, 2013 |
| Prior Transfer Doc | 0101210064 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | May 10, 2023 |
| Property Address | 40 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Document Number | 0159000306 |
| Book / Page | 15900 / 306 |
| Map Reference | LB GRG16 FO 89 |
| Instrument Date | May 05, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2023 |
| Title Company | R AND P SETTLEMENT GROUP LLC, R & P SETTLEMENT GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 40 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Document Number | 0159000311 |
|---|---|
| Date | May 10, 2023 |
| Instrument | 15900-0311 |
| Name | COASTAL LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 40 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Name | Verified Name |
|---|
| Document Number | 0158420293 |
|---|---|
| Date | Mar 09, 2023 |
| Book Page | 15842/293 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 40 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0135530237 |
|---|---|
| Date | Nov 20, 2019 |
| Book Page | 13553/0237 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 40 NEPTUNE DR, JOPPA, MD 21085-4520 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0151060192 |
|---|---|
| Date | Oct 15, 2021 |
| Book Page | 15106/192 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $564,233 (+11.67%) | $623,200 (-) Land $167,600 Building $455,600 | |
| 2025 | $4,864.00 (+2.03%) Homeowner's exemption | $505,267 (+14.35%) | $623,200 (+39.64%) Land $167,600 Building $455,600 |
| 2023 | $441,867 | $446,300 Land $167,600 Building $278,700 | |
| 2022 | $4,767.00 |
Source: FEMA National Flood Hazard Layer, Harford County (24025C), updated October 15, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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