Harford County property record for 406 Kemper Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,240 sqft · built 1966 |
| Lot Size | 0.265 acres (11,562 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $280,500 (Aug 2022) |
| Tax Bill | $2,331 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-124331 |
| Primary APN | 01-124331 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,240 sqft Total Area |
| Basement Area | 620 sqft |
| Finished Basement | 620 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,562 sqft (0.265 acres) |
| Lot Dimensions | 123 ft deep x 103 ft wide |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 56 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 124331 |
|---|---|
| Street Address | 406 KEMPER RD |
| City | JOPPA |
| State | MD |
| Zip | 21085-4633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LT 12 11562 SF 406 KEMPER ROAD JOPPATOWNE S5 PT 16/43 |
| Legal Subdivision | JOPPATOWNE |
| Legal Block | 48 |
| Legal Lot Number | 12 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 301401 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 406 KEMPER RD, JOPPA, MD 21085-4633 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 29, 2022 · Amount on Record |
| Deed Sale | Aug 29, 2022 · Amount on Record |
| Deed Book / Page | 15649 / 483 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Aug 29, 2022 |
| Property Address | 406 KEMPER RD, JOPPA, MD 21085-4633 |
| Document Number | 0156490483 |
| Book / Page | 15649 / 483 |
| Map Reference | MB GRG 16 FO 43 |
| Instrument Date | Aug 16, 2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2022 |
| Title Company | BROADVIEW TITLE |
| 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 |
|---|---|
| Address | 406 KEMPER RD, 406, JOPPA, MD 21085-4633 |
| Name | Verified Name |
|---|
| Document Number | 0156490491 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 15649-0491 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.25% |
| Index | 1-Year CMT |
| Margin | 2 |
| Max Rate | 9.25% |
Source: Harford County assessment roll, as of August 12, 2025
| 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 | $249,300 (+21.33%) | $267,000 (+24.82%) Land $69,500 Building $197,500 | |
| 2025 | $2,331.00 (+8.57%) Homeowner's exemption | ||
| 2023 | $205,467 | $213,900 Land $69,500 Building $144,400 | |
| 2022 | $2,147.00 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 |
|
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.
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.
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 |
| 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.
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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