707 Towne Center Dr, Joppa, MD 21085 Property Records

Harford County property record for 707 Towne Center Dr, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,182 sqft · built 1975
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Aug 2015)
Tax Bill	$3,045 (2026)
Deeds & Mortgages	Oct 2026 Mortgage Jul 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-122630`

Property Details

APN / Parcel Number

Primary APN	`01-122630`
Alternative APNs	`1122630` `122630`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,182 sqft Total Area
Basement Area	706 sqft
Finished Basement	706 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	122630
Street Address	707 TOWNE CENTER DR
City	JOPPA
State	MD
Zip	21085-4441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 18 75/75X115 AVG 707 TOWNE CENTER DRIVE RUMSEY ISL P17 P 18/33
Legal Subdivision	RUMSEY ISLAND
Legal Block	18
Legal Lot Number	18
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	3
Census Block	3003
Census Tract	301401

Owner

Source: Harford County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	707 TOWNE CENTER DR, JOPPA, MD 21085-4441
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage ABERDEEN PROVING GROUND FEDERAL CREDIT UNION
Jul 1, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ABERDEEN PROVING GROUND FCU
Dec 27, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ABERDEEN PROVING GROUND FCU
Nov 19, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2015 · Amount on Record
Deed Sale	Aug 4, 2015 · Amount on Record
Prior Sale	Jan 28, 2010 · Amount on Record
Deed Book / Page	11368 / 344
Last Transfer Date	Nov 2, 2020
Transfer Doc	0142760120
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Recording Date	Oct 7, 2026
Property Address	707 TOWNE CENTER DR, JOPPA, MD 21085-4441
Document Number	1731000176
Book / Page	17319 / 176
Instrument Date	Sep 25, 2026
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	GETZ TITLE GROUP LLC, GETZ TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	707 TOWNE CENTER DR, JOPPA, MD 21085-4441

Mortgage

Document Number	1731000176,
Date	Oct 7, 2026
Book Page	17319/176

Lender

Name	ABERDEEN PROVING GROUND FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 9, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	707 TOWNE CENTER DR, JOPPA, MD 21085-4441
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	GUARANTEED TRUST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0155840240
Date	Jul 1, 2022
Book Page	15584/240

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jun 27, 2037

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	707 TOWNE CENTER DR, JOPPA, MD 21085-4441
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	GUARANTEED TRUST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152720472
Date	Dec 27, 2021
Book Page	15272/472

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 14, 2036

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	Nov 19, 2020
Property Address	707 TOWNE CENTER DR, JOPPA, MD 21085-4441
Document Number	0142760120
Book / Page	14276 / 120
Map Reference	MB 18 FO 33
Instrument Date	Nov 2, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	KEY TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	707 TOWNE CENTER DR, JOPPA, MD 21085-4441

Mortgage

Document Number	0014276126
Date	Nov 19, 2020
Instrument	14276/126

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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	$3,045.00 (+10.61%) Homeowner's exemption	$279,467 (+5.05%)	$292,900 (-) Land $81,900 Building $211,000
2025	$2,753.00 (+6.38%) Homeowner's exemption	$266,033 (+8.56%)	$292,900 (+15.95%) Land $81,900 Building $211,000
2023		$245,067	$252,600 Land $81,900 Building $170,700
2022	$2,588.00

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 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	Hurricane Isabel, Sep 2003 · 3 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 87% 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

4G LTE (outdoors only), no 5G reported

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