Harford County property record for 685 Towne Center Dr, Joppa, MD 21085
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,440 sqft · built 1970 |
| Lot Size | 0.054 acres (2,360 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,000 (Jul 2019) |
| Tax Bill | $2,143 (2026) |
| Deeds & Mortgages | Jul 2019 Sale & Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-123505 |
| Primary APN | 01-123505 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Total Area |
| Utility Area | 70 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,360 sqft (0.054 acres) |
| Lot Dimensions | 118 ft deep x 20 ft wide |
| Porch | Slab |
| Porch Area | 60 sqft |
| Deck Area | 250 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 123505 |
|---|---|
| Street Address | 685 TOWNE CENTER DR |
| City | JOPPA |
| State | MD |
| Zip | 21085-4439 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LOT 7 BLK 18 20X118 685 TOWNE CENTER DR RUMSEY ISLAND PT 21/37 |
| Legal Subdivision | RUMSEY ISLAND PART TWENTY-TWO |
| Legal Block | 18 |
| Legal Lot Number | 7 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 301401 |
685 Towne Center Dr, a townhouse, is owned and occupied by two individuals who bought it in July 2019.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 685 TOWNE CENTER DR, JOPPA, MD 21085-4439 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 24, 2019 | Deed, Subdivision Related Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC |
| Dec 27, 2018 | Deed, Transfer · Commercial Mortgage CL CAPITAL GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 24, 2019 · Amount on File |
| Deed Sale | Jul 24, 2019 · Amount on File |
| Prior Sale | Dec 27, 2018 · Amount on File |
| Deed Book / Page | 13360 / 377 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jul 24, 2019 |
| Property Address | 685 TOWNE CENTER DR, JOPPA, MD 21085-4439 |
| Document Number | 0133600377 |
| Book / Page | 13360 / 0377 |
| Map Reference | MB GRG 21 FO 37 |
| Instrument Date | Jun 28, 2019 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | MID ATLANTIC SETMNT SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| 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 | 685 TOWNE CENTER DR, JOPPA, MD 21085-4439 |
| Document Number | 0013360383 |
|---|---|
| Date | Jul 24, 2019 |
| Instrument | 13360/383 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Dec 27, 2018 |
| Property Address | 685 TOWNE CENTER DR, JOPPA, MD 21085-4439 |
| Document Number | 0131030323 |
| Book / Page | 13103 / 0323 |
| Map Reference | MB GRG21 FO 37 |
| Instrument Date | Nov 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 7939 HONEYGO BLVD STE 112, 112, NOTTINGHAM, MD 21236-5991 |
| Document Number | 0013103327 |
|---|---|
| Date | Dec 27, 2018 |
| Instrument | 13103/327 |
| Name | CL CAPITAL GROUP LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 685 Towne Center Dr was $2,143 with a homeowner's exemption, up 13.9% from the year before.
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 | $2,143.00 (+13.87%) Homeowner's exemption | $196,700 | $208,700 Land $46,000 Building $162,700 |
| 2025 | $1,882.00 Homeowner's exemption | ||
| 2023 | $160,933 | $172,700 Land $46,000 Building $126,700 | |
| 2022 | $1,625.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 685 Towne Center Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 13 (1978–2014) |
| Claims Outside the SFHA | 8 of 13 |
| Most Recent Claim | Jun 2014 · 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.
Wildfire risk around 685 Towne Center Dr is low, with a 0.01% annual chance of wildfire.
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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