Harford County property record for 520 Terrapin Ter, Joppa, MD 21085 · Last verified August 2026
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,648 sqft · built 2001 |
| Lot Size | 0.055 acres (2,400 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,656 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-308378 |
| Primary APN | 01-308378 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,648 sqft Total Area |
| Basement Area | 480 sqft |
| Finished Basement | 480 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 | 2,400 sqft (0.055 acres) |
| Deck Area | 256 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 308378 |
|---|---|
| Street Address | 520 TERRAPIN TER |
| City | JOPPA |
| State | MD |
| Zip | 21085-5412 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LT 29 2400 SF 520 TERRAPIN TERRACE JOPPA WOODS PT 98/18 |
| Legal Subdivision | JOPPA WOODS II |
| Legal Lot Number | 29 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 301401 |
Source: Harford County records · APN 01-308378
Assessment roll updated August 12, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | PO BOX 33, JOPPA, MD 21085-0033 |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 22, 2007 |
| Deed Sale | Oct 22, 2007 |
| Prior Sale | Apr 24, 2006 · Amount on Record |
| Deed Document Number | 2007873 |
| Deed Book / Page | 7574 / 463 |
| Prior Transfer Date | May 14, 2006 |
| Prior Transfer Doc | 0067840139 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 520 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | TITLE CLEARING AND ESCROW, TITLE CLEARING & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Address | 588 THR00P AVE #3A 3A, 3A, BROOKLYN, NY 11216 |
| Document Number | 0154870269 |
|---|---|
| Date | Apr 28, 2022 |
| Book Page | 15487/269 |
| Name | CONSTRUCTIVE LOANS LLC |
|---|---|
| Address | VILLA PARK, IL 60181 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $285,100 (+7.83%) Land $55,000 Building $230,100 | $285,100 (-) Land $55,000 Building $230,100 | |
| 2025 | $2,656.00 (+13.8%) | $264,400 (+18.57%) | $285,100 (+27.85%) Land $55,000 Building $230,100 |
| 2023 | $223,000 Land $55,000 Building $168,000 | $223,000 Land $55,000 Building $168,000 | |
| 2022 | $2,334.00 |
Source: FEMA National Flood Hazard Layer, Harford County (24025C), updated October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240253014012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 |
| Wildfire Risk | Low above 7% of the US · above 15% of Maryland |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 73 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fiber | 980 / 880 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE (outdoors only)
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