549 Terrapin Ter, Joppa, MD 21085 Property Records

Harford County property record for 549 Terrapin Ter, Joppa, MD 21085

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,488 sqft · built 2000
Lot Size	0.078 acres (3,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Jul 2022)
Tax Bill	$3,156 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-308416`

Property Details

APN / Parcel Number

Primary APN	`01-308416`
Alternative APNs	`1308416` `308416`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,488 sqft Total Area
Basement Area	555 sqft
Finished Basement	555 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)
Patio Area	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	308416
Street Address	549 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 33 3400 SF 549 TERRAPIN TERRACE JOPPA WOODS PT 95/43
Legal Subdivision	JOPPA WOODS PT 92 26
Legal Lot Number	33
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2000
Census Tract	301401

Owner

Source: Harford County records, as of August 25, 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 Record
Mailing Address	549 TERRAPIN TER, JOPPA, MD 21085-5412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Deed, Transfer · FHA Mortgage EVOLVE BANK & TRUST
Aug 17, 2020	Grant Deed, Transfer · Conventional with PMI NATIONS LNDG
Feb 20, 2017	Deed of Trust, Mortgage GREENLIGHT LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2022 · Amount on Record
Deed Sale	Jul 25, 2022 · Amount on Record
Prior Sale	Aug 17, 2020 · Amount on Record
Deed Book / Page	15605 / 71
Record Updated	Oct 29, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jul 25, 2022
Property Address	549 TERRAPIN TER, JOPPA, MD 21085-5412
Document Number	0156050071
Book / Page	15605 / 71
Map Reference	MB 95 FO 43
Instrument Date	Jul 19, 2022
Transaction Type	Transfer
Record Updated	Aug 3, 2022
Title Company	STRATEGIC NATL TTL GROUP LLC

Transaction

Amount	Amount Recorded
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	Tenants by the Entirety
Address	549 TERRAPIN TER, JOPPA, MD 21085-5412

Mortgage

Document Number	0156050079
Date	Jul 25, 2022
Instrument	15605-0079

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Mortgage

Document Number	0156050096
Date	Jul 25, 2022
Book Page	15605/96

Lender

Name	EVOLVE BANK & TRUST
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2032

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 17, 2020
Property Address	549 TERRAPIN TER, JOPPA, MD 21085-5412
Document Number	0140440155
Book / Page	014044 / 000155
Instrument Date	Jul 24, 2020
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	KIRSH TITLE SERVICES, KIRSH TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 TERRAPIN TER JOPPA MD 210855412, JOPPA, MD 21085-5412

Mortgage

Document Number	140440160
Date	Aug 17, 2020
Book Page	014044/000160

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	549 TERRAPIN TER, JOPPA, MD 21085-5412
Document Number	0122370211
Book / Page	012237 / 000211
Instrument Date	Feb 20, 2017
Transaction Type	Mortgage
Record Updated	Mar 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	21659 KINGS CROSSING TER ASHBURN VA 201474512, ASHBURN, VA 20147-4512

Mortgage

Document Number	0122370211
Date	Feb 23, 2017
Book Page	012237/000211

Lender

Name	GREENLIGHT LOANS
Type	Funding / Finance Company
Address	DALLAS, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 22, 2047

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,156.00 (+21.57%)	$289,600 (+36.28%) Land $55,500 Building $234,100	$289,600 (+36.28%) Land $55,500 Building $234,100
2025	$2,596.00 (+18.21%)
2023		$212,500 Land $55,500 Building $157,000	$212,500 Land $55,500 Building $157,000
2022	$2,196.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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