Harford County property record for 431 Macintosh Cir, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,240 sqft · built 1999 |
| Lot Size | 0.073 acres (3,192 sqft) |
| Owner | Individual Name on File |
| Last Sale | $207,250 (Oct 2018) |
| Tax Bill | $2,193 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-291831 |
| Primary APN | 01-291831 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,240 sqft Total Area |
| Basement Area | 465 sqft |
| Finished Basement | 465 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 3,192 sqft (0.073 acres) |
| Deck Area | 228 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 291831 |
|---|---|
| Street Address | 431 MACINTOSH CIR |
| City | JOPPA |
| State | MD |
| Zip | 21085-5400 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LOT 185 3192 SF 431 MACINTOSH CIRCLE LOHR'S ORCHARD P 84/11 |
| Legal Subdivision | LOHIRS ORCHARD |
| Legal Lot Number | 185 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 301401 |
Source: Harford County records · APN 01-291831
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 | Individual Name on File |
|---|---|
| Mailing Address | 431 MACINTOSH CIR, JOPPA, MD 21085-5400 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 09, 2018 | Grant Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 09, 2018 · Amount on Record |
| Deed Sale | Oct 09, 2018 · Amount on Record |
| Prior Sale | Jun 16, 2010 · Amount on Record |
| Deed Book / Page | 13013 / 311 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 431 MACINTOSH CIR, JOPPA, MD 21085-5400 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0140650271 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 14065/271 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Oct 09, 2018 |
| Property Address | 431 MACINTOSH CIR, JOPPA, MD 21085-5400 |
| Document Number | 0130130311 |
| Book / Page | 013013 / 000311 |
| Instrument Date | Sep 24, 2018 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2018 |
| Title Company | KEY TITLE INSURANCE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207.25 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 431 MACINTOSH CIR JOPPA MD 210855400, JOPPA, MD 21085-5400 |
| Document Number | 130130319 |
|---|---|
| Date | Oct 09, 2018 |
| Book Page | 013013/000319 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 08, 2048 |
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 | $246,000 (+28.93%) Land $55,500 Building $190,500 | $246,000 (+28.93%) Land $55,500 Building $190,500 | |
| 2025 | $2,193.00 (+9.38%) Homeowner's exemption | ||
| 2023 | $190,800 Land $55,500 Building $135,300 | $190,800 Land $55,500 Building $135,300 | |
| 2022 | $2,005.00 |
Source: FEMA National Flood Hazard Layer, Harford County (24025C), updated October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240253014012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 | 7 in force |
| Nearby Flood Claims | 2 (1996–2025) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
| Wildfire Risk | Low lower than 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 474 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | HARFORD COUNTY D.P.W. serves 104,567 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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