Harford County property record for 432 Macintosh Cir, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,504 sqft · built 1999 |
| Lot Size | 0.048 acres (2,100 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $190,000 (Aug 2014) |
| Tax Bill | $2,529 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-290169 |
| Primary APN | 01-290169 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,504 sqft Total Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,100 sqft (0.048 acres) |
| Deck Area | 232 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 290169 |
|---|---|
| Street Address | 432 MACINTOSH CIR |
| City | JOPPA |
| State | MD |
| Zip | 21085-5401 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R2 |
| Legal Description | LOT 132 2100 SF 432 MACINTOSH CIRCLE LOHR'S ORCHARD PT 84/11 |
| Legal Subdivision | LOHRS ORCHARD |
| Legal Lot Number | 132 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 301401 |
Source: Harford County records, as of August 25, 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 | 432 MACINTOSH CIR, JOPPA, MD 21085-5401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2026 | Deed of Trust, Mortgage · Line of Credit STATE EMP CREDIT UNION/MD |
| Nov 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2014 · Amount on Record |
| Deed Sale | Aug 6, 2014 · Amount on Record |
| Prior Sale | May 2, 2014 · Amount on Record |
| Deed Book / Page | 10854 / 66 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Aug 3, 2026 |
| Property Address | 432 MACINTOSH CIR, JOPPA, MD 21085-5401 |
| Document Number | 1723000372 |
| Book / Page | 17232 / 372 |
| Instrument Date | Jul 29, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2026 |
| Title Company | SECU TITLE SERVICES LLC, SECU TITLE |
| Name | Verified Name |
|---|---|
| Address | 432 MACINTOSH CIR, JOPPA, MD 21085-5401 |
| Document Number | 1723000372, |
|---|---|
| Date | Aug 3, 2026 |
| Book Page | 17232/372 |
| Name | STATE EMP CREDIT UNION/MD |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 432 MACINTOSH CIR, JOPPA, MD 21085-5401 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 432 MACINTOSH CIR, JOPPA, MD 21085-5401 |
| Document Number | 0151910093 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 15191/93 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
Source: Harford County assessment roll, as of August 25, 2026
| 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 | $2,529.00 (+21.47%) Homeowner's exemption | $232,100 (+28.09%) Land $55,000 Building $177,100 | $232,100 (+28.09%) Land $55,000 Building $177,100 |
| 2025 | $2,082.00 (+6.93%) Homeowner's exemption | ||
| 2023 | $181,200 Land $55,000 Building $126,200 | $181,200 Land $55,000 Building $126,200 | |
| 2022 | $1,947.00 |
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 | 7 in force |
| Nearby Flood Claims | 2 (1996–2025) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
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 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 474 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 |
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