545 Terrapin Ter, Joppa, MD 21085 Property Records

Harford County property record for 545 Terrapin Ter, Joppa, MD 21085 · Last verified August 2026

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,648 sqft · built 2000
Lot Size	0.078 acres (3,400 sqft)
Owner	2 Individual Names on File
Last Sale	$241,000 (Dec 2020)
Tax Bill	$2,610 (2025)
Deeds & Mortgages	May 2020 Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-308394`

Property Details

APN / Parcel Number

Primary APN	`01-308394`
Alternative APNs	`1308394` `308394`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,648 sqft Total Area
Basement Area	200 sqft
Finished Basement	200 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,400 sqft (0.078 acres)
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	308394
Street Address	545 TERRAPIN TER
City	JOPPA
State	MD
Zip	21085-5412
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LT 31 3400 SF 545 TERRAPIN TERRACE JOPPA WOODS PT 95/43
Legal Subdivision	JOPPA WOODS 02
Legal Lot Number	31
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2000
Census Tract	301401

Owner

Source: Harford County records · APN 01-308394

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	545 TERRAPIN TER, JOPPA, MD 21085-5412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 06, 2020	Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN BANK
Dec 16, 2020	Deed, Transfer · FHA Mortgage SANDY SPRING BANK
Oct 04, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 16, 2020 · Amount on Record
Deed Sale	Dec 16, 2020 · Amount on Record
Prior Sale	Nov 18, 2008 · Amount on Record
Deed Book / Page	14339 / 151
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	545 TERRAPIN TER, JOPPA, MD 21085-5412
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	MID ATLANTIC TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138340386
Date	May 06, 2020
Book Page	13834/386

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2035

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Dec 16, 2020
Property Address	545 TERRAPIN TER, JOPPA, MD 21085-5412
Document Number	0143390151
Book / Page	14339 / 151
Map Reference	MB CGH 95 FO 43
Instrument Date	Dec 09, 2020
Transaction Type	Transfer
Record Updated	May 03, 2022
Title Company	MICASA TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0014339156
Date	Dec 16, 2020
Instrument	14339/156

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	545 TERRAPIN TER, JOPPA, MD 21085-5412
Document Number	0125620191
Book / Page	012562 / 000191
Instrument Date	Oct 04, 2017
Transaction Type	Mortgage
Record Updated	Oct 25, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 TERRAPIN TER JOPPA MD 210855412, JOPPA, MD 21085-5412

Mortgage

Document Number	0125620191
Date	Oct 18, 2017
Book Page	012562/000191

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Oct 17, 2032

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		$280,000 (+27.68%) Land $55,500 Building $224,500	$280,000 (+27.68%) Land $55,500 Building $224,500
2025	$2,610.00 (+13.63%)
2023		$219,300 Land $55,500 Building $163,800	$219,300 Land $55,500 Building $163,800
2022	$2,297.00

Flood & Wildfire

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

Flood

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

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.

Internet Providers

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.

Mobile Coverage

5G and 4G LTE (outdoors only)

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