544 Potomac Rd, Joppa, MD 21085 Property Records

Harford County property record for 544 Potomac Rd, Joppa, MD 21085 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,712 sqft · built 2018
Lot Size	0.859 acres (37,418 sqft)
Owner	2 Individual Names on File
Last Sale	$483,855 (Apr 2018)
Tax Bill	$4,923 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-381598`

Property Details

APN / Parcel Number

Primary APN	`01-381598`
Alternative APN	`381598`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,712 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	37,418 sqft (0.859 acres)
Garage Type	Mixed
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	134 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	381598
Street Address	544 POTOMAC RD
City	JOPPA
State	MD
Zip	21085-4824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 47 37418 SF 544 POTOMAC ROAD ROGERS FORD PT 141/17
Legal Subdivision	ROGERS FORD
Legal Lot Number	47
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	3
Census Block	3002
Census Tract	301301

Owner

Source: Harford County records · APN 01-381598

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	544 POTOMAC RD, JOPPA, MD 21085-4824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 21, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Apr 17, 2018	Deed, Transfer · VA Mortgage NVR MORTGAGE FINANCE INC
Dec 28, 2017	Grant Deed, Transfer NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 17, 2018 · Amount on Record
Deed Sale	Apr 17, 2018 · Amount on Record
Prior Sale	Dec 28, 2017 · Amount on Record
Deed Book / Page	12783 / 164
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	544 POTOMAC RD, JOPPA, MD 21085-4824
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0141210082
Date	Sep 18, 2020
Book Page	14121/82

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	LINWOOD, MI 48634

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	544 POTOMAC RD, JOPPA, MD 21085-4824
Document Number	0134860455
Instrument Date	Sep 21, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	544 POTOMAC RD JOPPA MD 210854824, JOPPA, MD 21085-4824

Mortgage

Document Number	0134860455
Date	Oct 09, 2019
Book Page	013486/000455

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 08, 2049

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Apr 17, 2018
Property Address	544 POTOMAC RD, JOPPA, MD 21085-4824
Document Number	0127830164
Book / Page	12783 / 0164
Map Reference	MB141 P17L
Instrument Date	Apr 06, 2018
Transaction Type	Transfer
Record Updated	May 02, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,957.83
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 POTOMAC RD, JOPPA, MD 21085-4824

Mortgage

Document Number	0012783171
Date	Apr 17, 2018
Instrument	12783/171

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jul 01, 2023
Change Frequency	Annually
Min Rate At Change	2.62%
Max Rate At Change	4.62%
Index	1-Year CMT
Margin	2
Max Rate	8.62%

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Dec 28, 2017
Property Address	544 POTOMAC RD, JOPPA, MD 21085-4824
Document Number	0126560367
Book / Page	012656 / 000367
Instrument Date	Dec 19, 2017
Transaction Type	Transfer
Record Updated	Jan 08, 2018
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$98.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8019 CORPORATE DR #A BALTIMORE MD 212364917, A, BALTIMORE, MD 21236-4917
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

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		$644,200 (+23.27%) Land $115,000 Building $529,200	$644,200 (+23.27%) Land $115,000 Building $529,200
2025	$4,923.00 (-12.5%) Homeowner's exemption
2023		$522,600 Land $115,000 Building $407,600	$522,600 Land $115,000 Building $407,600
2022	$5,626.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 5% of the US · above 9% 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 88 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.

Mobile Coverage

5G and 4G LTE

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