Harford County property record for 521 Terrapin Ter, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,644 sqft · built 1999 |
| Lot Size | 0.079 acres (3,436 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,136 (2026) |
| Deeds & Mortgages | May 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-308629 |
| Primary APN | 01-308629 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,644 sqft Total Area |
| Basement Area | 480 sqft |
| Finished Basement | 480 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 3,436 sqft (0.079 acres) |
| Deck Area | 330 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 308629 |
|---|---|
| Street Address | 521 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 15 3436 SF 521 TERRAPIN TERRACE JOPPA WOODS PT 95/44 |
| Legal Subdivision | JOPPA WOODS PT 92 26 |
| Legal Lot Number | 15 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 301401 |
521 Terrapin Ter, a townhouse, is owned and occupied by two individuals who acquired it in April 2006.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 521 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2006 |
| Deed Sale | Apr 10, 2006 |
| Prior Sale | Dec 21, 1999 · Amount on File |
| Deed Document Number | 20063183 |
| Deed Book / Page | 6672 / 75 |
| Prior Transfer Date | Mar 8, 2006 |
| Prior Transfer Doc | 0066720075 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 521 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2023 |
| Title Company | GETZ TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 521 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Investor | Possibly a Property Investor |
| Document Number | 0159120393 |
|---|---|
| Date | May 23, 2023 |
| Book Page | 15912/393 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 521 Terrapin Ter was $3,136 with a homeowner's exemption, up 21.3% from the year before.
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 | $3,136.00 (+21.27%) Homeowner's exemption | $287,800 (+7.83%) Land $55,500 Building $232,300 | $287,800 (-) Land $55,500 Building $232,300 |
| 2025 | $2,586.00 Homeowner's exemption | $266,900 | $287,800 Land $55,500 Building $232,300 |
| 2023 | $225,100 Land $55,500 Building $169,600 | $225,100 Land $55,500 Building $169,600 | |
| 2022 | $2,357.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 521 Terrapin Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.
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 risk around 521 Terrapin Ter is low, with less than a 0.01% annual chance of 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 |
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 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 Fixed Wireless | 100 / 20 |
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