Harford County property record for 517 Terrapin Ter, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,488 sqft · built 1999 |
| Lot Size | 0.055 acres (2,403 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $135,610 (Oct 1999) |
| Tax Bill | $2,834 (2026) |
| Deeds & Mortgages | Apr 2024 Line of Credit Jun 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-308602 |
| Primary APN | 01-308602 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,488 sqft Total Area |
| Basement Area | 480 sqft |
| Finished Basement | 480 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 | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 308602 |
|---|---|
| Street Address | 517 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 13 2403 SF 517 TERRAPIN TERRACE JOPPA WOODS PT 95/44 |
| Legal Subdivision | JOPPA WOODS PT 92 26 |
| Legal Lot Number | 13 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 517 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 18, 2024 | Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FCU |
| Jun 1, 2023 | Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FCU |
| Dec 5, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MARYLAND DEPT OF HOUSING & COMMUNITY DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 1999 · Amount on Record |
| Deed Sale | Oct 25, 1999 · Amount on Record |
| Prior Sale | Jul 26, 1999 · Amount on Record |
| Deed Document Number | 1999961 |
| Deed Book / Page | 3139 / 316 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 517 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2024 |
| Title Company | GETZ TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 517 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Document Number | 0162350358 |
|---|---|
| Date | Apr 18, 2024 |
| Book Page | 16235/358 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 517 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Title Company | GETZ TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 517 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Document Number | 0159220412 |
|---|---|
| Date | Jun 1, 2023 |
| Book Page | 15922/412 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 517 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0157580110 |
|---|---|
| Date | Dec 5, 2022 |
| Book Page | 15758/110 |
| Name | MARYLAND DEPT OF HOUSING & COMMUNITY DEV |
|---|---|
| Type | Government Agency |
| Address | LANHAM, MD 20706 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $2,834.00 (+16.53%) | $260,100 (+7.64%) Land $55,000 Building $205,100 | $260,100 (-) Land $55,000 Building $205,100 |
| 2025 | $2,432.00 (+13.33%) | $241,633 (+18.04%) | $260,100 (+27.06%) Land $55,000 Building $205,100 |
| 2023 | $204,700 Land $55,000 Building $149,700 | $204,700 Land $55,000 Building $149,700 | |
| 2022 | $2,146.00 |
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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