403 Kemper Rd, Joppa, MD 21085 Property Records

Harford County property record for 403 Kemper Rd, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,080 sqft · built 1966
Lot Size	0.209 acres (9,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$261,000 (Aug 2018)
Tax Bill	$3,134 (2025)
Deeds & Mortgages	Apr 2019 Transfer Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-135910`

Property Details

APN / Parcel Number

Primary APN	`01-135910`
Alternative APNs	`1135910` `135910`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,080 sqft Total Area
Utility Area	140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,125 sqft (0.209 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	135910
Street Address	403 KEMPER RD
City	JOPPA
State	MD
Zip	21085-4610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 13 BK 47 9125 SF 403 KEMPER ROAD JOPPATOWNE S5 PT 16/43
Legal Subdivision	JNOPPATOWNE PART I
Legal Block	47
Legal Lot Number	13
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	3
Census Block	3010
Census Tract	301401

Owner

Source: Harford County records, as of August 18, 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 Record
Mailing Address	403 KEMPER RD, JOPPA, MD 21085-4610
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 15, 2018	Grant Deed, Transfer · FHA Mortgage CAPWEST HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2018 · Amount on Record
Deed Sale	Aug 15, 2018 · Amount on Record
Deed Book / Page	12941 / 311
Prior Transfer Date	Apr 23, 2013
Prior Transfer Doc	0103010339
Record Updated	Sep 20, 2026

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARFORD MD
Recording Date	Apr 29, 2019
Property Address	403 KEMPER RD, JOPPA, MD 21085-4610
Document Number	0132400346
Book / Page	013240 / 000346
Instrument Date	Dec 19, 2018
Transaction Type	Transfer
Record Updated	May 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	403 KEMPER RD JOPPA MD 210854610, JOPPA, MD 21085-4610

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 15, 2018
Property Address	403 KEMPER RD, JOPPA, MD 21085-4610
Document Number	0129410311
Book / Page	012941 / 000311
Instrument Date	Jul 24, 2018
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	MICASA TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$261.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	403 KEMPER RD JOPPA MD 210854610, JOPPA, MD 21085-4610

Mortgage

Document Number	129410316
Date	Aug 15, 2018
Book Page	012941/000316

Lender

Name	CAPWEST HM LNS
Address	OVERLAND PARK, KS 66211

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 2048

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$322,267 (+5.68%)	$339,600 (-) Land $69,300 Building $270,300
2025	$3,134.00 (+9.43%)	$304,933 (+10.79%)	$339,600 (+18.08%) Land $69,300 Building $270,300
2023		$275,233	$287,600 Land $69,300 Building $218,300
2022	$2,864.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	13 (1978–2014)
Claims Outside the SFHA	8 of 13
Most Recent Claim	Jun 2014 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 3 claims

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.

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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