838 Ripple Stream Ct, Joppa, MD 21085 Property Records

Harford County property record for 838 Ripple Stream Ct, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,282 sqft · built 2010
Lot Size	4.46 acres (194,278 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (Feb 2014)
Tax Bill	$6,500 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-383563`

Property Details

APN / Parcel Number

Primary APN	`03-383563`
Alternative APN	`383563`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,282 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Wood Shingle
Roof Material	Composition Shingle
Lot Area	194,278 sqft (4.46 acres)
Garage Type	Attached
Garage Area	905 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	132 sqft
Patio Area	540 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	383563
Street Address	838 RIPPLE STREAM CT
City	JOPPA
State	MD
Zip	21085-1200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 4 4.46 AC 838 RIPPLE STREAM COURT WEST STREAM EST P 121/9
Legal Subdivision	WEST STREAM ESTATE
Legal Lot Number	4
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2004
Census Tract	303400

Owner

Source: Harford County records · APN 03-383563

Assessment roll updated August 12, 2025 · Last verified August 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 File
Mailing Address	838 RIPPLE STREAM CT, JOPPA, MD 21085-1200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION (NC)
Jul 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 08, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Sep 10, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 25, 2014 · Amount on Record
Deed Sale	Feb 25, 2014 · Amount on Record
Prior Sale	Oct 20, 2009 · Amount on Record
Deed Book / Page	10662 / 392
Prior Transfer Date	Oct 06, 2005
Prior Transfer Doc	0065150654
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Recording Date	Jun 25, 2026
Property Address	838 RIPPLE STREAM CT, JOPPA, MD 21085-1200
Document Number	1718000372
Book / Page	17184 / 372
Instrument Date	Jun 18, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ECU TITLE, SECU TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 RIPPLE STREAM CT, JOPPA, MD 21085-1200

Mortgage

Document Number	1718000372,
Date	Jun 25, 2026
Book Page	17184/372

Lender

Name	STATE EMPLOYEES CREDIT UNION (NC)

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate	6.51%
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	838 RIPPLE STREAM CT, JOPPA, MD 21085-1200
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0148780380
Date	Jul 01, 2021
Book Page	14878/380

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 01, 2036

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	838 RIPPLE STREAM CT, JOPPA, MD 21085-1200
Document Number	0140020416
Instrument Date	May 08, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	838 RIPPLE STREAM CT JOPPA MD 210851200, JOPPA, MD 21085-1200

Mortgage

Document Number	0140020416
Date	Jul 29, 2020
Book Page	014002/000416

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 28, 2035

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	838 RIPPLE STREAM CT, JOPPA, MD 21085-1200
Document Number	0134560254
Instrument Date	Sep 10, 2019
Transaction Type	Mortgage
Record Updated	Oct 04, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 RIPPLE STREAM CT JOPPA MD 210851200, JOPPA, MD 21085-1200

Mortgage

Document Number	0134560254
Date	Sep 23, 2019
Book Page	013456/000254

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$687,500 (+3.01%)	$727,700 (+9.04%) Land $152,300 Building $575,400
2025	$6,500.00 (+10.02%) Homeowner's exemption	$667,400 (+8.7%) Land $152,300 Building $515,100	$667,400 (-) Land $152,300 Building $515,100
2023		$614,000	$667,400 Land $152,300 Building $515,100
2022	$5,908.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Harford County (24025C), as of October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240253034002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Sep 1979 · tidal / storm surge

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Based on FCC filings for 13 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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