432 Larkspur Dr, Joppa, MD 21085 Property Records

Harford County property record for 432 Larkspur Dr, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,334 sqft · built 1966
Lot Size	0.324 acres (14,107 sqft)
Owner	2 Trust Names on File
Last Sale	$339,900 (May 2021)
Tax Bill	$3,908 (2026)
Deeds & Mortgages	May 2024 Transfer May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-137018`

Property Details

APN / Parcel Number

Primary APN	`01-137018`
Alternative APNs	`1137018` `137018`

Interior

Full Baths	3 Baths
Building Area	1,334 sqft Total Area
Basement Area	850 sqft
Finished Basement	850 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,107 sqft (0.324 acres)
Garage Type	Basement
Garage Area	348 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	276 sqft
Deck Area	368 sqft
Patio Area	368 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	137018
Street Address	432 LARKSPUR DR
City	JOPPA
State	MD
Zip	21085-4336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 22 BK 62 14107 SF 432 LARKSPUR DRIVE JOPPATOWNE S6 PT 17/101
Legal Subdivision	JOPPATOWNE
Legal Block	62
Legal Lot Number	22
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	1
Census Block	1002
Census Tract	301402

Owner

432 Larkspur Dr is owner-occupied and held in a trust since March 2024.

Source: Harford County records, as of August 25, 2026

Owner of Record	2 Trust Names on File
Mailing Address	432 LARKSPUR DR, JOPPA, MD 21085-4336
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 7, 2024	Intrafamily Transfer, Transfer
May 18, 2022	Deed of Trust, Mortgage · VA Mortgage AMERIS BANK
May 19, 2021	Deed, Transfer RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2021 · Amount on File
Deed Sale	May 19, 2021 · Amount on File
Prior Sale	Apr 20, 2006 · Amount on File
Deed Book / Page	14759 / 181
Last Transfer Date	Mar 19, 2024
Transfer Doc	0162520466
Record Updated	Oct 29, 2026

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	May 7, 2024
Property Address	432 LARKSPUR DR, JOPPA, MD 21085-4336
Document Number	0162520466
Book / Page	16252 / 466
Map Reference	MB GRG 17 FO 100-101
Instrument Date	Mar 19, 2024
Transaction Type	Transfer
Record Updated	May 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	432 LARKSPUR DR, JOPPA, MD 21085-4336

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	432 LARKSPUR DR, JOPPA, MD 21085-4336
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0155170409
Date	May 18, 2022
Book Page	15517/409

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	348 Months
Due	May 1, 2051

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	May 19, 2021
Property Address	432 LARKSPUR DR, JOPPA, MD 21085-4336
Document Number	0147590181
Book / Page	14759 / 181
Map Reference	MB GRG 17F O 100-101
Instrument Date	Apr 26, 2021
Transaction Type	Transfer
Record Updated	Oct 28, 2022
Title Company	RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	432 LARKSPUR DR, JOPPA, MD 21085-4336
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 432 Larkspur Dr was $3,908, up 12.5% from the year before.

Source: Harford County assessment roll, as of August 25, 2026

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	$3,908.00 (+12.53%)	$358,633 (+5.9%)	$378,600 (-) Land $69,800 Building $308,800
2025	$3,473.00	$338,667	$378,600 Land $69,800 Building $308,800
2023		$291,067	$318,700 Land $69,800 Building $248,900
2022	$2,871.00

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

Flood

FEMA maps place 432 Larkspur Dr in Zone X, an area of minimal flood risk.

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	1 in force

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

Wildfire risk around 432 Larkspur Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 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 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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