Harford County property record for 642 Shore Dr, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,440 sqft · built 1969 |
| Lot Size | 0.098 acres (4,270 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Oct 2021) |
| Tax Bill | $2,335 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-119567 |
| Primary APN | 01-119567 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Total Area |
| Utility Area | 70 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 4,270 sqft (0.098 acres) |
| Lot Dimensions | 140 ft deep x 5 ft wide |
| Porch | Slab |
| Porch Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 119567 |
|---|---|
| Street Address | 642 SHORE DR |
| City | JOPPA |
| State | MD |
| Zip | 21085-4531 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LT 42 BK 26 30.5X140 642 SHORE DRIVE RUMSEY ISL PT 21/36 |
| Legal Subdivision | RUMSEY ISLAND |
| Legal Block | 26 |
| Legal Lot Number | 42 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 301401 |
Source: Harford County records · APN 01-119567
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 | 642 SHORE DR, JOPPA, MD 21085-4531 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 17, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Oct 21, 2021 | Deed, Transfer · Conventional Mortgage MERIDIAN BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 21, 2021 · Amount on Record |
| Deed Sale | Oct 21, 2021 · Amount on Record |
| Prior Sale | Oct 23, 2014 · Amount on Record |
| Deed Book / Page | 15122 / 375 |
| Prior Transfer Date | Apr 02, 2009 |
| Prior Transfer Doc | 0081080513 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 642 SHORE DR, JOPPA, MD 21085-4531 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2022 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0147540373 |
|---|---|
| Date | May 17, 2021 |
| Book Page | 14754/373 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 282 Months |
| Due | Nov 01, 2044 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Oct 21, 2021 |
| Property Address | 642 SHORE DR, JOPPA, MD 21085-4531 |
| Document Number | 0151220375 |
| Book / Page | 15122 / 375 |
| Map Reference | LB GRG21 FO 36 |
| Instrument Date | Sep 30, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2022 |
| Title Company | DEFINITIVE TITLE, DEFINITIVE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 642 SHORE DR, JOPPA, MD 21085-4531 |
| Document Number | 0015122382 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 15122/382 |
| Name | MERIDIAN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
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 | $252,100 (+5.3%) | $264,800 (-) Land $46,500 Building $218,300 | |
| 2025 | $2,335.00 (+10.98%) Homeowner's exemption | $239,400 (+14.05%) | $264,800 (+16.81%) Land $46,500 Building $218,300 |
| 2023 | $209,900 | $226,700 Land $46,500 Building $180,200 | |
| 2022 | $2,104.00 |
Source: FEMA National Flood Hazard Layer, Harford County (24025C), as of October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240253014014, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 |
|
| Wildfire Risk | Low lower than 94% of the US · lower than 87% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 236 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MD0120016, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HARFORD COUNTY D.P.W. serves 104,567 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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