Harford County property record for 522 Terrapin Ter, Joppa, MD 21085 · Last verified August 2026
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 1,660 sqft · built 2001 |
| Lot Size | 0.078 acres (3,376 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $246,000 (Dec 2020) |
| Tax Bill | $2,698 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-308386 |
| Primary APN | 01-308386 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,660 sqft Total Area |
| Basement Area | 670 sqft |
| Finished Basement | 670 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 | 3,376 sqft (0.078 acres) |
| Deck Area | 448 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 308386 |
|---|---|
| Street Address | 522 TERRAPIN TER |
| City | JOPPA |
| State | MD |
| Zip | 21085-5412 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LT 30 3376 SF 522 TERRAPIN TERRACE JOPPA WOODS PT 98/18 |
| Legal Subdivision | PLAT II JOPPA WOODS |
| Legal Lot Number | 30 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 301401 |
Source: Harford County records · APN 01-308386
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 522 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2020 | Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Sep 18, 2018 | Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 15, 2020 · Amount on Record |
| Deed Sale | Dec 15, 2020 · Amount on Record |
| Prior Sale | Sep 18, 2018 · Amount on Record |
| Deed Book / Page | 14337 / 9 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Dec 15, 2020 |
| Property Address | 522 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Document Number | 0143370009 |
| Book / Page | 14337 / 9 |
| Map Reference | MB CGH 98 FOP 18 |
| Instrument Date | Nov 04, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Title Company | SANCTUARY TITLE |
| 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 | Joint Tenants |
| Address | 522 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Document Number | 0001433716 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | 14337/16 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Sep 18, 2018 |
| Property Address | 522 TERRAPIN TER, JOPPA, MD 21085-5412 |
| Document Number | 0129860135 |
| Book / Page | 012986 / 000135 |
| Instrument Date | Sep 04, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2018 |
| Title Company | OMNI LAND SETTLEMENT CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $234.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 522 TERRAPIN TER JOPPA MD 210855412, JOPPA, MD 21085-5412 |
| Document Number | 129860140 |
|---|---|
| Date | Sep 18, 2018 |
| Book Page | 012986/000140 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 17, 2048 |
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 | $319,400 (+28.79%) Land $55,500 Building $263,900 | $319,400 (+28.79%) Land $55,500 Building $263,900 | |
| 2025 | $2,698.00 (+11.12%) Homeowner's exemption | ||
| 2023 | $248,000 Land $55,500 Building $192,500 | $248,000 Land $55,500 Building $192,500 | |
| 2022 | $2,428.00 |
Source: FEMA National Flood Hazard Layer, Harford County (24025C), updated October 15, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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; lenders make the official flood determination.
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