Harford County property record for 505 Terrapin Ter, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 1,648 sqft · built 2001 |
| Lot Size | 0.078 acres (3,400 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $225,000 (Jan 2019) |
| Tax Bill | $3,366 (2026) |
| Deeds & Mortgages | Dec 2022 Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-308491 |
| Primary APN | 01-308491 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,648 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 3,400 sqft (0.078 acres) |
| Deck Area | 64 sqft |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 308491 |
|---|---|
| Street Address | 505 TERRAPIN TER |
| City | JOPPA |
| State | MD |
| Zip | 21085-5412 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R2COS |
| Legal Description | LT 3 3400 SF 505 TERRAPIN TERRACE JOPPA WOODS PT 95/44 |
| Legal Subdivision | PLAT III JOPPA WOODS |
| Legal Lot Number | 3 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2000 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 505 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 20, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 23, 2019 | Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 23, 2019 · Amount on Record |
| Deed Sale | Jan 23, 2019 · Amount on Record |
| Prior Sale | Mar 12, 2007 |
| Deed Book / Page | 13133 / 266 |
| Prior Transfer Date | Apr 20, 2009 |
| Prior Transfer Doc | 0081310371 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 505 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2022 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 0157710135 |
|---|---|
| Date | Dec 15, 2022 |
| Book Page | 15771/135 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 505 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0149060191 |
|---|---|
| Date | Jul 20, 2021 |
| Book Page | 14906/191 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 331 Months |
| Due | Feb 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jan 23, 2019 |
| Property Address | 505 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Document Number | 0131330266 |
| Book / Page | 13133 / 0266 |
| Map Reference | MB CGH95 FO 44 |
| Instrument Date | Dec 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | LIBERTY TITLE & ESCROW OF MA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 505 TENAPIN TERRACE, JOPPA, MD 21085 |
| Document Number | 0013133273 |
|---|---|
| Date | Jan 23, 2019 |
| Instrument | 13133/273 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2049 |
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 | $3,366.00 (+17.36%) | $308,900 (+7.98%) Land $55,500 Building $253,400 | $308,900 (-) Land $55,500 Building $253,400 |
| 2025 | $2,868.00 (+13.18%) | $286,067 (+19%) | $308,900 (+28.49%) Land $55,500 Building $253,400 |
| 2023 | $240,400 Land $55,500 Building $184,900 | $240,400 Land $55,500 Building $184,900 | |
| 2022 | $2,534.00 |
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 97% of the US · lower than 94% 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.
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 301 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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