516 Terrapin Ter, Joppa, MD 21085 Property Records

Harford County property record for 516 Terrapin Ter, Joppa, MD 21085

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,648 sqft · built 2001
Lot Size	0.078 acres (3,398 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (May 2022)
Tax Bill	$2,619 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-308343`

Property Details

APN / Parcel Number

Primary APN	`01-308343`
Alternative APNs	`1308343` `308343`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,648 sqft Total Area
Basement Area	590 sqft
Finished Basement	590 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,398 sqft (0.078 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	308343
Street Address	516 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 27 3398 SF 516 TERRAPIN TERRACE JOPPA WOODS PT 98/18
Legal Subdivision	JOPPA WOODS PT 92 26
Legal Lot Number	27
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2002
Census Tract	301401

Owner

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	516 TERRAPIN TER, JOPPA, MD 21085-5412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 11, 2022 · Amount on Record
Deed Sale	May 11, 2022 · Amount on Record
Prior Sale	Feb 8, 2001 · Amount on Record
Deed Book / Page	15505 / 260
Prior Transfer Date	Jan 18, 2006
Prior Transfer Doc	0066500604
Record Updated	Sep 20, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	May 11, 2022
Property Address	516 TERRAPIN TER, JOPPA, MD 21085-5412
Document Number	0155050260
Book / Page	15505 / 260
Map Reference	MB 95 FO 43
Instrument Date	May 3, 2022
Transaction Type	Transfer
Record Updated	May 19, 2022
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	516 TERRAPIN TER, JOPPA, MD 21085-5412

Mortgage

Document Number	0155050268
Date	May 11, 2022
Instrument	15505-0268

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

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		$283,600 (+8.26%) Land $55,500 Building $228,100	$283,600 (-) Land $55,500 Building $228,100
2025	$2,619.00 (+14.37%)	$261,967 (+19.78%)	$283,600 (+29.68%) Land $55,500 Building $228,100
2023		$218,700 Land $55,500 Building $163,200	$218,700 Land $55,500 Building $163,200
2022	$2,290.00

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

Flood

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.

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 89% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 159 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