Harford County property record for 538 Riviera Dr, Apt C, Joppa, MD 21085
| Property Type | Condominium |
|---|---|
| Details | 1,254 sqft · built 1979 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $204,000 (Dec 2019) |
| Tax Bill | $2,706 (2026) |
| Deeds & Mortgages | May 2022 Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-132180 |
| Primary APN | 01-132180 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,254 sqft Total Area |
|---|
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Condo/Apartment |
| Lot Area | 43,560 sqft (1 acres) |
| Account Number | 132180 |
|---|---|
| Street Address | 538 RIVIERA DR, C |
| City | JOPPA |
| State | MD |
| Zip | 21085-4681 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R4 |
| Legal Description | CONDO UNIT 538-C 538-C RIVIERA DRIVE GUNPOWDER COVE PT 1/33 |
| Legal Subdivision | GUNPOWDER COVE CONDOMINIUM |
| Legal Lot Number | 538C |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 301401 |
538 Riviera Dr, Apt C is owned and occupied by two individuals who bought it in December 2019.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 538 RIVIERA DR, C, JOPPA, MD 21085-4681 |
| 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.
| Date | Document |
|---|---|
| May 23, 2022 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 6, 2019 | Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2019 · Amount on File |
| Deed Sale | Dec 6, 2019 · Amount on File |
| Deed Book / Page | 13582 / 58 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 538 RIVIERA DR APT C, C, JOPPA, MD 21085-4681 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2022 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 538 RIVIERA DR, JOPPA, MD 21085-4681 |
| Document Number | 0155230329 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 15523/329 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 350 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 538 RIVIERA DR APT C, C, JOPPA, MD 21085-4681 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0148690385 |
|---|---|
| Date | Jun 28, 2021 |
| Book Page | 14869/385 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Dec 6, 2019 |
| Property Address | 538 RIVIERA DR APT C, C, JOPPA, MD 21085-4681 |
| Document Number | 0135820058 |
| Book / Page | 013582 / 000058 |
| Instrument Date | Dec 2, 2019 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2019 |
| Title Company | CAMPUS TITLE COMPANY LLC, CAMPUS TITLE CO LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $204.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 538 RIVIERA DR #C JOPPA MD 210854681, C, JOPPA, MD 21085-4681 |
| Document Number | 135820065 |
|---|---|
| Date | Dec 6, 2019 |
| Book Page | 013582/000065 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 5, 2049 |
The 2026 property tax bill for 538 Riviera Dr, Apt C was $2,706, up 21.1% 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 | $2,706.00 (+21.13%) | $248,333 (+9.56%) | $270,000 (-) Land $80,000 Building $190,000 |
| 2025 | $2,234.00 | $226,667 | $270,000 Land $80,000 Building $190,000 |
| 2023 | $198,333 | $205,000 Land $50,000 Building $155,000 | |
| 2022 | $2,088.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 538 Riviera Dr, Apt C in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 13 (1978–2014) |
| Claims Outside the SFHA | 8 of 13 |
| Most Recent Claim | Jun 2014 · other causes |
| Claims by Event |
|
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 538 Riviera Dr, Apt C 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 93% of the US · lower than 85% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures