722 Towne Center Dr, Joppa, MD 21085 Property Records

Harford County property record for 722 Towne Center Dr, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,209 sqft · built 1976
Lot Size	0.251 acres (10,927 sqft)
Owner	2 Individual Names on Record
Last Sale	$419,000 (Jul 2018)
Tax Bill	$4,597 (2026)
Deeds & Mortgages	Mar 2024 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-123963`

Property Details

APN / Parcel Number

Primary APN	`01-123963`
Alternative APNs	`1123963` `123963`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,209 sqft Total Area
Basement Area	900 sqft
Finished Basement	900 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	10,927 sqft (0.251 acres)
Lot Dimensions	155 ft deep x 71 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	372 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	304 sqft
Deck Area	324 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	123963
Street Address	722 TOWNE CENTER DR
City	JOPPA
State	MD
Zip	21085-4442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LT 12 70/71X155 722 TOWNE CENTER DRIVE RUMSEY ISL P 32 PT 32/48
Legal Subdivision	JOPPATOWNE
Legal Block	18
Legal Lot Number	12,722
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	4
Census Block	4002
Census Tract	301401

Owner

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	722 TOWNE CENTER DR, JOPPA, MD 21085-4442
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Deed of Trust, Mortgage · Line of Credit ROSEDALE FSLA
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Feb 5, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 16, 2018	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2018 · Amount on Record
Deed Sale	Jul 16, 2018 · Amount on Record
Prior Sale	Jun 8, 1995 · Amount on Record
Deed Book / Page	12902 / 431
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	722 TOWNE CENTER DR, JOPPA, MD 21085-4442
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0162070337
Date	Mar 20, 2024
Book Page	16207/337

Lender

Name	ROSEDALE FSLA
Type	Bank
Address	NOTTINGHAM, MD 21236

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	722 TOWNE CENTER DR, JOPPA, MD 21085-4442
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138760477
Date	May 29, 2020
Book Page	13876/477

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

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

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	722 TOWNE CENTER DR, JOPPA, MD 21085-4442
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0131440275
Date	Feb 5, 2019
Book Page	13144/0275

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jul 16, 2018
Property Address	722 TOWNE CENTER DR, JOPPA, MD 21085-4442
Document Number	0129020431
Book / Page	12902 / 0431
Map Reference	MB HDC32 FO48
Instrument Date	Jul 9, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,985.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	722 TOWNE CENTER DR, JOPPA, MD 21085-4442

Mortgage

Document Number	0012902437
Date	Jul 16, 2018
Instrument	12902/437

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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	$4,597.00 (+7.56%) Homeowner's exemption	$421,800 (+8.6%)	$436,600 (+11.32%) Land $161,600 Building $275,000
2025	$4,274.00 (+1.98%) Homeowner's exemption
2023		$388,400	$392,200 Land $161,600 Building $230,600
2022	$4,191.00

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 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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