Harford County property record for 515 Terrapin Ter, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,488 sqft · built 1999 |
| Lot Size | 0.055 acres (2,403 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Jun 2022) |
| Tax Bill | $2,615 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-308599 |
| Primary APN | 01-308599 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,488 sqft Total Area |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,403 sqft (0.055 acres) |
| Deck Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 308599 |
|---|---|
| Street Address | 515 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 12 2403 SF 515 TERRAPIN TERRACE JOPPA WOODS PT 95/44 |
| Legal Subdivision | JOPPA WOODS PT 92 26 |
| Legal Lot Number | 12 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 301401 |
Source: Harford County assessment roll, as of August 12, 2025
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 File |
|---|---|
| Mailing Address | 515 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 27, 2022 | Deed, Transfer · Stand-Alone First Mortgage MERIDIAN BANK |
| Aug 7, 2020 | Grant Deed, Transfer · VA Mortgage US MUTUAL HM LNS INC |
| May 17, 2017 | Deed, Transfer · VA Mortgage UNIVERSAL MORTGAGE & FINANCE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 27, 2022 · Amount on Record |
| Deed Sale | Jun 27, 2022 · Amount on Record |
| Prior Sale | Aug 7, 2020 · Amount on Record |
| Deed Book / Page | 15574 / 169 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jun 27, 2022 |
| Property Address | 515 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Document Number | 0155740169 |
| Book / Page | 15574 / 169 |
| Map Reference | MB 95 PG 44 |
| Instrument Date | Jun 16, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2022 |
| Title Company | NOT AVAILABLE, KEY TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 515 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Document Number | 0155740174 |
|---|---|
| Date | Jun 27, 2022 |
| Instrument | 15574-0174 |
| Name | MERIDIAN BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Aug 7, 2020 |
| Property Address | 515 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Document Number | 0140240367 |
| Book / Page | 014024 / 000367 |
| Instrument Date | Jul 31, 2020 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2020 |
| Title Company | STEWART TITLE, STEWART TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 TERRAPIN TER JOPPA MD 210855412, JOPPA, MD 21085-5412 |
| Investor | Possibly a Property Investor |
| Document Number | 140240374 |
|---|---|
| Date | Aug 7, 2020 |
| Book Page | 014024/000374 |
| Name | US MUTUAL HM LNS INC |
|---|---|
| Address | 201 INTERNATIONAL CIR, HUNT VALLEY, MD 21030-1304 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 6, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | May 17, 2017 |
| Property Address | 515 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Document Number | 0123460467 |
| Book / Page | 12346 / 0467 |
| Map Reference | MB CGH95 FO44 |
| Instrument Date | May 8, 2017 |
| Instrument | 12346-0467 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | LAKESIDE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| 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 | 515 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Document Number | 123460475 |
|---|---|
| Date | May 17, 2017 |
| Instrument | 12346-0475 |
| Name | UNIVERSAL MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
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 | $280,800 (+27.87%) Land $55,000 Building $225,800 | $280,800 (+27.87%) Land $55,000 Building $225,800 | |
| 2025 | $2,615.00 (+13.75%) | ||
| 2023 | $219,600 Land $55,000 Building $164,600 | $219,600 Land $55,000 Building $164,600 | |
| 2022 | $2,299.00 |
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 |
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 USA Fixed Wireless | 100 / 20 |
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