Harford County property record for 509 Garnett Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,700 sqft · built 1964 |
| Lot Size | 0.272 acres (11,869 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $190,000 (Oct 2008) |
| Tax Bill | $2,617 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-140310 |
| Primary APN | 01-140310 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,700 sqft Total Area |
| Basement Area | 425 sqft |
| Finished Basement | 425 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,869 sqft (0.272 acres) |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 140310 |
|---|---|
| Street Address | 509 GARNETT RD |
| City | JOPPA |
| State | MD |
| Zip | 21085-4210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LT 19 BK 38 11869 SF 509 GARNETT ROAD JOPPATOWNE S4 PT 15/56 |
| Legal Subdivision | JOPPATOWNE |
| Legal Block | 38 |
| Legal Lot Number | 19 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 301401 |
Source: Harford County records, as of August 18, 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 | 509 GARNETT RD, JOPPA, MD 21085-4210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2008 · Amount on Record |
| Deed Sale | Oct 29, 2008 · Amount on Record |
| Prior Sale | Feb 28, 2008 · Amount on Record |
| Deed Document Number | 2008664 |
| Deed Book / Page | 7969 / 527 |
| Transfer Doc | 0044980280 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 509 GARNETT RD, JOPPA, MD 21085-4210 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0151760332 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | 15176/332 |
| Name | ATLANTIC FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | HUNT VALLEY, MD 21031 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Harford County assessment roll, as of August 12, 2025
| 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 | $266,800 (+5.25%) | $280,100 (-) Land $69,500 Building $210,600 | |
| 2025 | $2,617.00 (+8.68%) Homeowner's exemption | $253,500 (+9.93%) | $280,100 (+16.61%) Land $69,500 Building $210,600 |
| 2023 | $230,600 | $240,200 Land $69,500 Building $170,700 | |
| 2022 | $2,408.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 98% of the US · lower than 96% 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 |
5G and 4G LTE (outdoors only)
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