740 Towne Center Dr, Joppa, MD 21085 Property Records

Harford County property record for 740 Towne Center Dr, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,696 sqft · built 1977
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Company Names on Record
Last Sale	$620,000 (Jul 2022)
Tax Bill	$5,184 (2026)
Deeds & Mortgages	Sep 2026 Sale Feb 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-145835`

Property Details

APN / Parcel Number

Primary APN	`01-145835`
Alternative APNs	`1145835` `145835`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,696 sqft Living Area
1st Floor Area	1,696 sqft
Basement Area	1,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	150 ft deep x 70 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	482 sqft
Patio Area	266 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	145835
Street Address	740 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 21 70/70X150 740 TOWNE CENTER DR RUMSEY ISLAND P 32/48
Legal Subdivision	JOPPATOWNE
Legal Block	18A
Legal Lot Number	21,74
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 September 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1230 HAMLET HILL DR, WEST CHESTER, PA 19380-4073
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed, Transfer BLACK OAK TITLE LLC, BLACK OAK TITLE
Feb 27, 2017	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 19, 2020	Deed of Trust, Mortgage · VA Mortgage PRIME CHOICE FUNDING INC
Sep 2, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 25, 2022	Deed, Transfer BLACK OAK TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2022 · Amount on Record
Deed Sale	Jul 25, 2022 · Amount on Record
Prior Sale	Jul 29, 2013 · Amount on Record
Deed Book / Page	15604 / 481
Transfer Doc	0000003734
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Sep 2, 2026
Property Address	740 TOWNE CENTER DR, JOPPA, MD 21085-4442
Document Number	1727000469
Book / Page	17274 / 469
Instrument Date	Jul 21, 2026
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	BLACK OAK TITLE LLC, BLACK OAK TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1230 HAMLET HILL DR, WEST CHESTER, PA 19380-4073

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	740 TOWNE CENTER DR, JOPPA, MD 21085-4442
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CERTIFED TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0122410397
Date	Feb 27, 2017
Book Page	12241/0397
Instrument	12241-0397

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	740 TOWNE CENTER DR, JOPPA, MD 21085-4442
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0137490389
Date	Mar 19, 2020
Book Page	13749/389

Lender

Name	PRIME CHOICE FUNDING INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	740 TOWNE CENTER DR, JOPPA, MD 21085-4442
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0140800383
Date	Sep 2, 2020
Book Page	14080/383

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jul 25, 2022
Property Address	740 TOWNE CENTER DR, JOPPA, MD 21085-4442
Document Number	0156040481
Book / Page	15604 / 481
Map Reference	MB 32 FO 48
Instrument Date	Jun 30, 2022
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	BLACK OAK TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1230 HAMLET HILL DR, WEST CHESTER, PA 19380-4073

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	$5,184.00 (+26.44%)	$475,667 (+27.58%)	$525,400 (+39.66%) Land $159,500 Building $365,900
2025	$4,100.00 (+1.84%)
2023		$372,833	$376,200 Land $159,500 Building $216,700
2022	$4,026.00

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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