$637,990
SOLD MAY 22, 2026

110 Shell Cove Ct Joppa, MD 21085

4 Beds
2 Baths
2,160 Sq Ft
0.28 Acres Lot

Sale Details

Date Sold: May 22, 2026

$295 Per Sq Ft

5% Below List Price

1 Day on Market

Highlights

  • 120 Feet of Waterfront
  • Boat Ramp
  • Bay View
  • 1 Dock Slip
  • Fishing Allowed
  • Open Floorplan

About This Home

As of May 2026

This Rumsey Island waterfront home is more than a place—it’s a story years in the making. Lovingly cared for and thoughtfully updated over time, every room reflects intention, warmth, and pride of ownership. Offering 4 bedrooms, a den, and 2.5 baths, the home features an open, light-filled layout with high ceilings and sweeping water views that draw you in from the moment you arrive. The heart of the home—a beautifully updated kitchen—flows seamlessly into a welcoming family room with fireplace and custom built-ins, creating spaces designed for gathering and everyday living. A sunroom and expansive deck overlook the beautifully maintained grounds and private pier, where mornings begin with quiet coffee and evenings end with unforgettable sunsets. This is a home where every improvement was made with care, every detail considered, and every space tells a story. Larger then it looks, come take a tour and call it home.

Last Agent to Sell the Property

Deborah Harari

(410) 879-8080 mikes@lnf.com Long & Foster Real Estate, Inc. Brokerage Phone: 4108798080 Listed on: 05/01/2026

Long & Foster Real Estate, Inc.

Last Buyer's Agent

Georgeanna Garceau

(410) 803-0714 ggarceau@garceaurealty.com Garceau Realty

Garceau Realty

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,526

Year Built

  • Built in 1975

Lot Details

  • 12,000 Sq Ft Lot
  • 120 Feet of Waterfront
  • Home fronts navigable water
  • Back, Front, and Side Yard
  • Property is in excellent condition
  • Property is zoned R3

Parking

  • 1 Car Attached Garage
  • 2 Driveway Spaces
  • Front Facing Garage

Home Design

  • Split Level Home
  • Block Foundation
  • Architectural Shingle Roof
  • Vinyl Siding
  • Brick Front

Interior Spaces

  • Property has 3 Levels
  • Open Floorplan
  • Vaulted Ceiling
  • Ceiling Fan
  • Fireplace
  • Wood Burning Stove
  • Window Treatments
  • Window Screens
  • Sliding Doors
  • Family Room Off Kitchen
  • Living Room
  • Formal Dining Room
  • Home Office
  • Bonus Room
  • Sun or Florida Room
  • Bay Views
  • Laundry Room

Kitchen

  • Breakfast Area or Nook
  • Eat-In Kitchen
  • Upgraded Countertops

Flooring

  • Wood
  • Carpet
  • Vinyl

Bedrooms and Bathrooms

  • 4 Bedrooms
  • 2 Full Bathrooms
  • Bathtub with Shower

Unfinished Basement

  • Heated Basement
  • Connecting Stairway

Outdoor Features

  • Canoe or Kayak Water Access
  • Private Water Access
  • Property near a bay
  • Electric Hoist or Boat Lift
  • Boat Ramp
  • 1 Dock Slip
  • Physical Dock Slip Conveys
  • Powered Boats Permitted
  • Deck
  • Exterior Lighting

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Uses Natural Gas
  • Electric Baseboard Heater
  • Electric Water Heater

Listing and Financial Details

  • Tax Lot 20
  • Assessor Parcel Number 1301130323

Community Details

Overview

  • No Home Owners Association
  • Rumsey Island Subdivision

Recreation

  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,526

Year Built

Built in 1975

Lot Details

0.28 Acres

Parking

1

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Split Level
  • Ownership: Fee Simple
  • Exclusions: Microwave in kitchen
  • New Construction: No
  • Story List: Main, Upper 1
  • Expected On Market: 5/1/2026 12:00:00 AM
  • Federal Flood Zone: No
  • Year Built: 1975
  • Automatically Close On Close Date: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Flooring Type: Carpet, Hardwood, Vinyl
  • Interior Amenities: Bathroom - Tub Shower, Breakfast Area, Carpet, Ceiling Fan(s), Combination Kitchen/Dining, Dining Area, Family Room Off Kitchen, Floor Plan - Open, Formal/Separate Dining Room, Kitchen - Eat-In, Kitchen - Table Space, Stove - Wood, Upgraded Countertops, Window Treatments, Wood Floors
  • Window Features: Screens
  • Fireplace: No
  • Door Features: Sliding Glass
  • Wall Ceiling Types: 9'+ Ceilings, Vaulted Ceilings
  • Foundation Details: Block
  • Levels Count: 3
  • Room List: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen, Family Room, Sun/Florida Room, Laundry, Office, Bathroom 2, Bonus Room, Primary Bathroom
  • Basement: Yes
  • Basement Type: Connecting Stairway, Heated, Unfinished
  • Total Sq Ft: 3600
  • Living Area Sq Ft: 2160
  • Price Per Sq Ft: 312.03
  • Above Grade Finished Sq Ft: 2160
  • Below Grade Sq Ft: 1440
  • Total Below Grade Sq Ft: 1440
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 4
  • Total Bathrooms: 2
  • Full Bathrooms: 2
  • Upper Level Bathrooms: 2
  • Upper Level Bathrooms: 2.00

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Brick Front, Vinyl Siding
  • Exterior Features: Exterior Lighting, Sidewalks
  • Roof: Architectural Shingle
  • View: Bay, Water
  • Water Access Features: Boat - Powered, Canoe/Kayak, Fishing Allowed, Private Access
  • Water Access: Yes
  • Water Body Type: Bay
  • Waterfront: Yes
  • Water Oriented: Yes
  • Pool: No Pool
  • Water View: Yes
  • Water Frontage In Feet: 120

Garage/Parking

  • Garage Spaces: 1.00
  • Garage: Yes
  • Parking Features: Concrete Driveway
  • Garage Features: Garage - Front Entry
  • Attached Garage Spaces: 1
  • Total Garage And Parking Spaces: 3
  • Type Of Parking: Driveway, Attached Garage
  • Number of Spaces in Driveway: 2

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Ceiling Fan(s), Central A/C
  • Heating Fuel: Natural Gas
  • Heating Type: Baseboard - Electric, Forced Air
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Condo Co-Op Association: No
  • HOA: No
  • Senior Community: No
  • Association Recreation Fee: No

Schools

  • School District Source: Listing Agent

Lot Info

  • Lot Features: Front Yard, Rear Yard, Sideyard(s)
  • Lot Size Acres: 0.28
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 12000.00
  • Outdoor Living Structures: Deck(s)
  • Property Condition: Excellent
  • Zoning: R3
  • In City Limits: No

Rental Info

  • Ground Rent Exists: No
  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 4526.00
  • Assessor Parcel Number: 1301130323
  • Tax Lot: 20
  • County Tax Payment Frequency: Annually
  • Tax Year: 2025

Multi Family

  • Waterfront Features: Boat/Launch Ramp - Private, Private Dock Site

MLS Schools

  • School District Name: HARFORD COUNTY PUBLIC SCHOOLS

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
May 1, 2026
Closed on
May 22, 2026
Sold by
Bought by
Seller's Agent
Deborah Harari
Long & Foster Real Estate, Inc.
Buyer's Agent
Georgeanna Garceau
Garceau Realty
List Price
$673,990
Sold Price
$637,990
Premium/Discount to List
-$36,000
-5.34%
Views
39

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
93.46%

Purchase Details

Closed on
Nov 23, 1994
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$187,200
Interest Rate
8.91%
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Deed $673,990 Stewart Title Guaranty Company
Deed $235,000 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Previous Owner $187,200 No Value Available
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
05/22/2026 05/22/26 Sold $637,990 -5.3% $295 / Sq Ft
05/02/2026 05/02/26 Pending -- -- --
05/01/2026 05/01/26 For Sale $673,990 -- $312 / Sq Ft
Source: Bright MLS

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $4,212 $415,233 $0 $0
2024 $4,212 $386,500 $167,000 $219,500
2023 $4,176 $383,133 $0 $0
2022 $4,139 $379,767 $0 $0
2021 $8,278 $376,400 $167,000 $209,400
2020 $4,344 $376,400 $167,000 $209,400
2019 $4,344 $376,400 $167,000 $209,400
2018 $4,538 $396,800 $200,000 $196,800
2017 $4,371 $396,800 $0 $0
2016 -- $367,600 $0 $0
2015 $5,132 $353,000 $0 $0
2014 $5,132 $353,000 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDHR2053832

Bright MLS

APN: 01-130323

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