847 Ripple Stream Ct, Joppa, MD 21085 Property Records

Harford County property record for 847 Ripple Stream Ct, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 4,454 sqft · built 2021
Lot Size	3.75 acres (163,350 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Jun 2017)
Tax Bill	$12,120 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-383636`

Property Details

APN / Parcel Number

Primary APN	`03-383636`
Alternative APN	`383636`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,454 sqft Total Area
Basement Area	1,400 sqft
Finished Basement	1,400 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	163,350 sqft (3.75 acres)
Garage Type	Built-in
Garage Area	921 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	171 sqft
Shed	1 Shed
Shed Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	383636
Street Address	847 RIPPLE STREAM CT
City	JOPPA
State	MD
Zip	21085-1201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 2 3.75 AC 847 RIPPLE STREAM COURT WEST STREAM EST 206/14
Legal Subdivision	WEST STREAM ESTATES
Legal Lot Number	2
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2004
Census Tract	303400

Owner

Source: Harford County records, as of August 18, 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	847 RIPPLE STREAM CT, JOPPA, MD 21085-1201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 20, 2018	Deed of Trust, Mortgage FIRST NAT'L BK/PA
Jun 26, 2017	Grant Deed, Transfer · Conventional Mortgage FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2017 · Amount on Record
Deed Sale	Jun 26, 2017 · Amount on Record
Prior Sale	Jan 11, 2006
Deed Document Number	201712404-0063
Deed Book / Page	12404 / 63
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	847 RIPPLE STREAM CT, JOPPA, MD 21085-1201
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152600351
Date	Dec 20, 2021
Book Page	15260/351

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jul 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	847 RIPPLE STREAM CT, JOPPA, MD 21085-1201
Document Number	0128160191
Instrument Date	Apr 20, 2018
Transaction Type	Mortgage
Record Updated	May 23, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	847 RIPPLE STREAM CT JOPPA MD 210851201, JOPPA, MD 21085-1201

Mortgage

Document Number	0128160191
Date	May 11, 2018
Book Page	012816/000191

Lender

Name	FIRST NAT'L BK/PA
Type	Bank
Address	4140 E STATE ST, HERMITAGE, PA 16148-3401

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 10, 2048

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 26, 2017
Property Address	847 RIPPLE STREAM CT, JOPPA, MD 21085-1201
Document Number	0124040063
Book / Page	012404 / 000063
Instrument Date	Jun 16, 2017
Transaction Type	Transfer
Record Updated	Jul 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1906 SWIFT FOX CT FALLSTON MD 210471649, FALLSTON, MD 21047-1649

Mortgage

Document Number	124040068
Date	Jun 26, 2017
Book Page	012404/000068

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	LANCASTER, PA 17604

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 25, 2027

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

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		$1,192,067 (+12.49%)	$1,252,600 (+7.82%) Land $257,500 Building $995,100
2025	$12,120.00 (+10.18%) Homeowner's exemption
2023		$1,059,733	$1,161,800 Land $257,500 Building $904,300
2022	$11,000.00

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
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

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ripple Stream Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures