45 Old Sound Rd, Joppa, MD 21085 Property Records

Harford County property record for 45 Old Sound Rd, Joppa, MD 21085

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,156 sqft · built 1969
Lot Size	0.117 acres (5,100 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (Jun 2026)
Tax Bill	$3,223 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-135112`

Property Details

APN / Parcel Number

Primary APN	`01-135112`
Alternative APNs	`1135112` `135112`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,156 sqft Total Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,100 sqft (0.117 acres)
Lot Dimensions	150 ft deep x 34 ft wide
View / Lot	Waterfront
Deck Area	136 sqft
Patio Area	136 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	135112
Street Address	45 OLD SOUND RD
City	JOPPA
State	MD
Zip	21085-4524
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3
Legal Description	LT 63 BK 88 34X150 A 45 OLD SOUND ROAD RUMSEY ISLAND PT 21/10
Legal Subdivision	RUMSEY ISLAND PT 21
Legal Block	88
Legal Lot Number	63
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	4
Census Block	4000
Census Tract	301401

Owner

45 Old Sound Rd, a townhouse, is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	45 OLD SOUND RD, JOPPA, MD 21085-4524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2026 · Amount on File
Deed Sale	Jun 8, 2026 · Amount on File
Prior Sale	Jun 14, 2004 · Amount on File
Deed Book / Page	17157 / 43
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 8, 2026
Property Address	45 OLD SOUND RD, JOPPA, MD 21085-4524
Document Number	1715000043
Book / Page	17157 / 43
Instrument Date	May 27, 2026
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$469,650.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	45 OLD SOUND RD, JOPPA, MD 21085-4524

Mortgage

Document Number	1715000050,
Date	Jun 8, 2026
Book Page	17157/50

Lender

Name	DIRECT MORTGAGE LOAN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 45 Old Sound Rd was $3,223, up 8% 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	$3,223.00 (+8.01%)	$295,800 (+3.86%)	$306,800 (-) Land $123,000 Building $183,800
2025	$2,984.00 Homeowner's exemption	$284,800	$306,800 Land $123,000 Building $183,800
2023		$269,200	$273,800 Land $123,000 Building $150,800
2022	$2,883.00

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

Flood

FEMA maps place 45 Old Sound Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	24 (1978–2013)
Claims Outside the SFHA	10 of 24
Most Recent Claim	Jun 2013 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 10 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

Wildfire risk around 45 Old Sound Rd 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 94% of the US · lower than 87% 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 236 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