Harford County property record for 645 Shore Dr, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,360 sqft · built 1984 |
| Lot Size | 0.115 acres (5,002 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,000 (Oct 2025) |
| Tax Bill | $2,127 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Oct 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-141384 |
| Primary APN | 01-141384 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,360 sqft Total Area |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 5,002 sqft (0.115 acres) |
| Lot Dimensions | 145 ft deep x 34 ft wide |
| Deck Area | 96 sqft |
| Patio Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 141384 |
|---|---|
| Street Address | 645 SHORE DR |
| City | JOPPA |
| State | MD |
| Zip | 21085-4548 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LT 15 34.50X145 645 SHORE DRIVE RUMSEY ISL PT 34 P 41/17 |
| Legal Subdivision | RUMSEY ISLAND |
| Legal Block | 24 |
| Legal Lot Number | 15 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 301401 |
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 | 645 SHORE DR, JOPPA, MD 21085-4548 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 22, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Oct 21, 2025 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2025 · Amount on Record |
| Deed Sale | Oct 21, 2025 · Amount on Record |
| Prior Sale | May 14, 2012 · Amount on Record |
| Deed Book / Page | 16856 / 283 |
| Prior Transfer Date | May 21, 2007 |
| Prior Transfer Doc | 0074850310 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 645 SHORE DR, JOPPA, MD 21085-4548 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0148460166 |
|---|---|
| Date | Jun 22, 2021 |
| Book Page | 14846/166 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Oct 21, 2025 |
| Property Address | 645 SHORE DR, JOPPA, MD 21085-4548 |
| Document Number | 0168560283 |
| Book / Page | 16856 / 283 |
| Map Reference | MB 41 FO 17 |
| Instrument Date | Oct 13, 2025 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | GETZ TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $725.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 645 SHORE DR, JOPPA, MD 21085-4548 |
| Document Number | 0016856290 |
|---|---|
| Date | Oct 21, 2025 |
| Instrument | 16856/290 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,127.00 (+10.49%) Homeowner's exemption | $195,167 (+4.97%) | $204,400 (-) Land $54,200 Building $150,200 |
| 2025 | $1,925.00 (+4.45%) Homeowner's exemption | $185,933 (+7.52%) | $204,400 (+15.68%) Land $54,200 Building $150,200 |
| 2023 | $172,933 | $176,700 Land $54,200 Building $122,500 | |
| 2022 | $1,843.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
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 |
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