625 Shore Dr, Joppa, MD 21085 Property Records

Harford County property record for 625 Shore Dr, Joppa, MD 21085

Property Summary

Property Type	Townhouse
Details	2 ba · 1,460 sqft · built 1978
Lot Size	0.112 acres (4,875 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Mar 2023)
Tax Bill	$2,116 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-126989`

Property Details

APN / Parcel Number

Primary APN	`01-126989`
Alternative APNs	`1126989` `126989`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,460 sqft Total Area
Utility Area	64 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,875 sqft (0.112 acres)
Lot Dimensions	150 ft deep x 5 ft wide
Porch	Slab
Porch Area	136 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	126989
Street Address	625 SHORE DR
City	JOPPA
State	MD
Zip	21085-4530
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3
Legal Description	LT 30 32.5/32.5X150 625 SHORE DRIVE RUMSEY ISL PT 34/21
Legal Subdivision	JOPPATOWNE
Legal Block	25
Legal Lot Number	30,625
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	4
Census Block	4007
Census Tract	301401

Owner

Source: Harford County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	625 SHORE DR, JOPPA, MD 21085-4530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2023	Deed, Transfer · Conventional Mortgage MERIDIAN BANK
Oct 9, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 1, 2019	Grant Deed, Transfer · FHA Mortgage CENTURY LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2023 · Amount on Record
Deed Sale	Mar 14, 2023 · Amount on Record
Prior Sale	Aug 1, 2019 · Amount on Record
Deed Book / Page	15846 / 464
Prior Transfer Date	May 23, 2003
Prior Transfer Doc	0052020043
Record Updated	Sep 20, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Mar 14, 2023
Property Address	625 SHORE DR, JOPPA, MD 21085-4530
Document Number	0158460464
Book / Page	15846 / 464
Map Reference	MB 34 FO 21
Instrument Date	Mar 10, 2023
Transaction Type	Transfer
Record Updated	Mar 22, 2023
Title Company	LEGACY SETTLTMENT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$637.50
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 in Severalty
Address	625 SHORE DR, JOPPA, MD 21085-4530
Investor	Possibly a Property Investor

Mortgage

Document Number	0158460471
Date	Mar 14, 2023
Book Page	15846/471

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	5.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	10.8%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	625 SHORE DR, JOPPA, MD 21085-4530
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0141730001
Date	Oct 9, 2020
Book Page	14173/1

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Aug 1, 2049

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 1, 2019
Property Address	625 SHORE DR, JOPPA, MD 21085-4530
Document Number	0133690313
Book / Page	013369 / 000313
Instrument Date	Jul 19, 2019
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	MASTERS TITLE AND ESCROW, MASTERS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	625 SHORE DR JOPPA MD 210854530, JOPPA, MD 21085-4530

Mortgage

Document Number	133690319
Date	Aug 1, 2019
Book Page	013369/000319

Lender

Name	CENTURY LNDG
Address	LOUISVILLE, KY 40223

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2049

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

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		$227,467 (+7.89%)	$244,100 (-) Land $54,100 Building $190,000
2025	$2,116.00 (+9.24%) Homeowner's exemption	$210,833 (+13.37%)	$244,100 (+25.7%) Land $54,100 Building $190,000
2023		$185,967	$194,200 Land $54,100 Building $140,100
2022	$1,937.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	24 (1978–2013)
Claims Outside the SFHA	10 of 24
Most Recent Claim	Jun 2013 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 10 claims

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 94% of the US · lower than 89% 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.

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 493 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

Cell Coverage

5G and 4G LTE (outdoors only)

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