418 Kemper Rd, Joppa, MD 21085 Property Records

Harford County property record for 418 Kemper Rd, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,240 sqft · built 1966
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on File
Tax Bill	$1,627 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`01-132911`

Property Details

APN / Parcel Number

Primary APN	`01-132911`
Alternative APNs	`1132911` `132911`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,240 sqft Total Area

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	56 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	132911
Street Address	418 KEMPER RD
City	JOPPA
State	MD
Zip	21085-4634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 2 BK 48 75/75X120 418 KEMPER ROAD JOPPATOWNE S1 P 16/43
Legal Subdivision	JOPPATOWNE
Legal Block	48
Legal Lot Number	2
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	3
Census Block	3015
Census Tract	301401

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	418 KEMPER RD, JOPPA, MD 21085-4634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Deed of Trust, Mortgage · Unknown HARFORD BANK
Aug 25, 2018	Loan Modification, Mortgage HARFORD BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	418 KEMPER RD, JOPPA, MD 21085-4634
Transaction Type	Mortgage
Record Updated	Sep 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 KEMPER RD, JOPPA, MD 21085-4634

Mortgage

Document Number	0160160245
Date	Aug 28, 2023
Book Page	16016/245

Lender

Name	HARFORD BANK
Type	Bank
Address	ABERDEEN, MD 21001

Agreement

Type	Unknown
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARFORD MD
Property Address	418 KEMPER RD, JOPPA, MD 21085-4634
Document Number	0130120251
Instrument Date	Aug 25, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 KEMPER RD JOPPA MD 210854634, JOPPA, MD 21085-4634

Mortgage

Document Number	0130120251
Date	Oct 9, 2018
Book Page	013012/000251

Lender

Name	HARFORD BK
Type	Bank
Address	ABERDEEN, MD 21001

Agreement

Term	120 Months
Due	Oct 8, 2028

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		$216,933 (+14.46%)	$226,900 (+15.18%) Land $69,300 Building $157,600
2025	$1,627.00 (+8.9%) Homeowner's exemption
2023		$189,533	$197,000 Land $69,300 Building $127,700
2022	$1,494.00

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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