NOT LISTED FOR SALE

40 Neptune Dr Joppa, MD 21085

Estimated Value: $622,000 - $712,000

4 Beds
3 Baths
2,700 Sq Ft
$253/Sq Ft Est. Value

Last Sold May 05, 2023

Last sale price $665,000 $246 Per Sq Ft

Est. 3% increase in value since last sale

Current estimated payment $4,118/month

7 Days on Market

Highlights

  • 86 Feet of Waterfront
  • Parking available for a boat
  • Spa
  • 2 Dock Slips
  • Access to Tidal Water
  • Fishing Allowed

About This Home

As of May 2023

This gorgeous one of a kind Waterfront Rancher located on Rumsey Island has it all, so many extras and up grades thru out.....2 Master Bedrooms suites with full baths and 1 with waterview .Remodeled Kitchen with quartz countertops has plenty of cabinets and large window that gives you so much sunlight....in addition to a year around sun room with cathedral ceilings and sky lights. beautiful Pavilions and salt water hot tub. Private pier with 10klb Boat lift and 2 Jetski lifts ( no flood insurance required). This property has one of the larger lots on Rumsey Island with 86 ft of water frontage....Garage has Heat and AC plus large ,skylights and pellet stove can be converted to gas.Must see to appreciate.... so many more amenities than listed

Last Agent to Sell the Property

Margaret Steen

Steen Properties License #93185 Listed on: 03/27/2023

Last Buyer's Agent

Dennis Thomas

Cummings & Co. Realtors

Cummings & Co. Realtors

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,768

Year Built

  • Built in 1966

Lot Details

  • 0.43 Acre Lot
  • 86 Feet of Waterfront
  • Home fronts navigable water
  • Home fronts a canal
  • Property is Fully Fenced
  • Landscaped
  • Property is in excellent condition
  • Property is zoned R3

Parking

  • 1 Car Attached Garage
  • 2 Driveway Spaces
  • Front Facing Garage
  • Garage Door Opener
  • On-Street Parking
  • Parking available for a boat

Home Design

  • Rambler Architecture
  • Brick Exterior Construction
  • Architectural Shingle Roof
  • Stone Siding
  • Vinyl Siding

Interior Spaces

  • 2,700 Sq Ft Home
  • Property has 1 Level
  • Open Floorplan
  • Chair Railings
  • Crown Molding
  • Cathedral Ceiling
  • Ceiling Fan
  • Skylights
  • Recessed Lighting
  • 1 Fireplace
  • Sliding Windows
  • French Doors
  • Sliding Doors
  • Six Panel Doors
  • Living Room
  • Dining Room
  • Sun or Florida Room
  • Canal Views
  • Attic

Kitchen

  • Eat-In Kitchen
  • Electric Oven or Range
  • Microwave
  • Dishwasher
  • Kitchen Island
  • Upgraded Countertops
  • Disposal

Flooring

  • Engineered Wood
  • Carpet
  • Ceramic Tile

Bedrooms and Bathrooms

  • 4 Main Level Bedrooms
  • En-Suite Primary Bedroom
  • Walk-In Closet
  • 3 Full Bathrooms

Laundry

  • Laundry Room
  • Laundry on main level
  • Dryer
  • Washer

Accessible Home Design

  • Level Entry For Accessibility

Outdoor Features

  • Spa
  • Access to Tidal Water
  • Canoe or Kayak Water Access
  • Property is near a canal
  • Personal Watercraft
  • Mooring
  • Rip-Rap
  • Electric Hoist or Boat Lift
  • 2 Dock Slips
  • Physical Dock Slip Conveys
  • Powered Boats Permitted
  • Patio
  • Exterior Lighting
  • Shed

Utilities

  • Forced Air Heating and Cooling System
  • Pellet Stove burns compressed wood to generate heat
  • Vented Exhaust Fan
  • Natural Gas Water Heater
  • Cable TV Available

Listing and Financial Details

  • Tax Lot 12
  • Assessor Parcel Number 1301145169

Community Details

Overview

  • No Home Owners Association
  • Rumsey Island Subdivision

Recreation

  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,768

Year Built

Built in 1966

Lot Details

0

Parking

1

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Ranch/Rambler
  • Accessibility Features: Level Entry - Main
  • Ownership: Fee Simple
  • Inclusions: Both Pavillons, Boat Lift , Jetski Lifts, Salt Water Hottub
  • New Construction: No
  • Story List: Main
  • Federal Flood Zone: No
  • Year Built: 1966
  • Automatically Close On Close Date: No
  • Remarks Public: This gorgeous one of a kind Waterfront Rancher located on Rumsey Island has it all, so many extras and up grades thru out.....2 Master Bedrooms suites with full baths and 1 with waterview .Remodeled Kitchen with quartz countertops has plenty of cabinets and large window that gives you so much sunlight....in addition to a year around sun room with cathedral ceilings and sky lights. beautiful Pavilions and salt water hot tub. Private pier with 10klb Boat lift and 2 Jetski lifts ( no flood insurance required). This property has one of the larger lots on Rumsey Island with 86 ft of water frontage....Garage has Heat and AC plus large ,skylights and pellet stove can be converted to gas.Must see to appreciate.... so many more amenities than listed
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Dishwasher, Disposal, Dryer, Exhaust Fan, Microwave, Oven/Range - Electric, Refrigerator, Washer
  • Flooring Type: Carpet, Ceramic Tile, Engineered Wood
  • Interior Amenities: Carpet, Ceiling Fan(s), Attic, Crown Moldings, Kitchen - Island, Recessed Lighting, Skylight(s), Stove - Pellet, Upgraded Countertops, Walk-In Closet(s), Entry Level Bedroom, Floor Plan - Open, Kitchen - Eat-In, Chair Railings
  • Window Features: Sliding
  • Fireplace Features: Other
  • Fireplaces Count: 1
  • Fireplace: Yes
  • Door Features: French, Six Panel, Sliding Glass
  • Wall Ceiling Types: Cathedral Ceilings, 9'+ Ceilings
  • Foundation Details: Other
  • Levels Count: 1
  • Room List: Living Room, Dining Room, Primary Bedroom, Bedroom 4, Kitchen, Sun/Florida Room, Laundry, Bathroom 2, Bathroom 3
  • Basement: No
  • Laundry Type: Main Floor
  • Total Sq Ft: 2700
  • Living Area Sq Ft: 2700
  • Price Per Sq Ft: 246.30
  • Above Grade Finished Sq Ft: 2700
  • Above Grade Finished Area Units: Square Feet
  • Street Number Modifier: 40

Beds/Baths

  • Bedrooms: 4
  • Main Level Bedrooms: 4
  • Total Bathrooms: 3
  • Full Bathrooms: 3
  • Main Level Bathrooms: 3.00
  • Main Level Full Bathrooms: 3

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Other Structures List: Shed
  • Construction Materials: Brick, Stone, Vinyl Siding
  • Exterior Features: Boat Storage, Exterior Lighting, Hot Tub, Sidewalks, Street Lights
  • Roof: Architectural Shingle
  • View: Canal, Water
  • Water Access Features: Boat - Powered, Personal Watercraft (PWC), Fishing Allowed, Canoe/Kayak
  • Water Access: Yes
  • Water Body Name: Gunpowder
  • Water Body Type: Canal
  • Waterfront: Yes
  • Water Oriented: Yes
  • Pool: No Pool
  • Tidal Water: Yes
  • Water View: Yes
  • Water Frontage In Feet: 86

Garage/Parking

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

Utilities

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

Condo/Co-op/Association

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

Schools

  • School District: HARFORD COUNTY PUBLIC SCHOOLS
  • School District Key: 121139964110
  • School District Source: Listing Agent

Green Features

  • Clean Green Assessed: No

Lot Info

  • Fencing: Fully
  • Improvement Assessed Value: 278700.00
  • Land Assessed Value: 167600.00
  • Land Use Code: R
  • Lot Features: Landscaping
  • Lot Size Acres: 0.43
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 18589.00
  • Outdoor Living Structures: Patio(s)
  • Property Condition: Excellent
  • Year Assessed: 2023
  • Zoning: R3
  • In City Limits: No

Rental Info

  • Ground Rent Exists: No
  • Lease Considered: No
  • Vacation Rental: No

Tax Info

  • Assessor Parcel Number: 5449118
  • Tax Annual Amount: 4768.00
  • Assessor Parcel Number: 1301145169
  • Tax Lot: 12
  • Tax Total Finished Sq Ft: 2700
  • County Tax Payment Frequency: Annually
  • Tax Year: 2022
  • Close Date: 05/05/2023

Multi Family

  • Mean Low Water Feet: 4
  • Waterfront Features: Rip-Rap, Private Dock Site

MLS Schools

  • School District Name: HARFORD COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Mar 27, 2023
Closed on
May 5, 2023
Sold by
Lockman Donna J
Bought by
Gattus David Brian and Gattus Nicole Lynn
Seller's Agent
Margaret Steen
Steen Properties
Buyer's Agent
Dennis Thomas
Cummings & Co. Realtors
List Price
$665,000
Sold Price
$665,000
Views
66
Current Estimated Value
$682,668

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$17,668
Avg. Annual Appreciation
3.31%
Original Mortgage
$598,500
Outstanding Balance
$582,290
Interest Rate
6.32%
Mortgage Type
New Conventional
Estimated Equity
$134,857

Purchase Details

Closed on
Jan 31, 2013
Sold by
Lockman Donna J
Bought by
Lockman Donna J

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$322,500
Interest Rate
3.45%
Mortgage Type
New Conventional

Purchase Details

Closed on
Jan 14, 2008
Sold by
Lockman Donna J
Bought by
Lockman Donna J

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$417,000
Interest Rate
6.27%
Mortgage Type
Stand Alone Refi Refinance Of Original Loan

Purchase Details

Closed on
Dec 21, 2007
Sold by
Lockman Donna J
Bought by
Lockman Donna J

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$417,000
Interest Rate
6.27%
Mortgage Type
Stand Alone Refi Refinance Of Original Loan

Purchase Details

Closed on
Feb 26, 2007
Sold by
Feit Stephen R
Bought by
Lockman Donna J

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$350,000
Interest Rate
6.3%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Closed on
Feb 20, 2007
Sold by
Feit Stephen R
Bought by
Lockman Donna J

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$350,000
Interest Rate
6.3%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Closed on
Dec 9, 2003
Sold by
Feit Stephen R
Bought by
Feit Stephen R and Cassidy Mary Ann

Purchase Details

Closed on
Dec 17, 1998
Sold by
Heinz Daniel J
Bought by
Feit Stephen R
Source: Public Records

Range of Values:

Collateral Analytics

Collateral Analytics Collateral Analytics AVMs (Automated Valuation Model) employ a number of statistical approaches combined with neighborhood-specific comparable selection guarantees the most up-to-date and precise valuations.

Not Available

Collateral Analytics does not have data for the current month. Please view the chart for historical values.

ICE

ICE Mortgage Technology ICE Mortgage Technology’s AVM (Automated Valuation Model) is a state-of-the-art online residential property valuation tool that provides a quick and accurate estimate of the value of almost any home in the U.S.

Not Available

ICE Mortgage Technology does not have data for the current month. Please view the chart for historical values.

First American

First American First American Data & Analytics’ next-generation AVM combines unrivaled data assets with a blended ensemble of valuation models to produce highly accurate, reliable valuations you can trust.

Not Available

First American does not have data for the current month. Please view the chart for historical values.

Quantarium

Quantarium Quantarium’s valuation service, repeatedly proven the industry’s most accurate and comprehensive, is supercharged with a self-learning and auto-tuning AI engine that continually becomes smarter and more accurate as it processes daily inputs from the industry’s leading RE data lake.

Not Available

Quantarium does not have data for the current month. Please view the chart for historical values.

Average Value
Not Available
List Price
Sold Price
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area

Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Gattus David Brian $665,000 None Listed On Document
Lockman Donna J -- Mid Atlantic Title Llc
Lockman Donna J -- --
Lockman Donna J -- --
Lockman Donna J $705,000 --
Lockman Donna J $705,000 --
Feit Stephen R -- --
Feit Stephen R $246,500 --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Gattus David Brian $598,500
Previous Owner Lockman Donna J $120,000
Previous Owner Lockman Donna J $211,369
Previous Owner Lockman Donna J $227,000
Previous Owner Lockman Donna J $322,500
Previous Owner Lockman Donna J $250,000
Previous Owner Lockman Donna J $100,000
Previous Owner Lockman Donna J $417,000
Previous Owner Lockman Donna J $350,000
Previous Owner Lockman Donna J $350,000
Previous Owner Feit Stephen R $125,000
Previous Owner Feit Stephen R $350,000
Previous Owner Feit Stephen R $75,000
Closed Feit Stephen R --
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
05/05/2023 05/05/23 Sold $665,000 0.0% $246 / Sq Ft
04/03/2023 04/03/23 Pending -- -- --
03/27/2023 03/27/23 For Sale $665,000 -- $246 / Sq Ft
Source: Bright MLS

Tax History Compared to Growth

Source: Public Records

Tax History

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 $4,864 $505,267 $0 $0
2024 $4,864 $446,300 $167,600 $278,700
2023 $4,816 $441,867 $0 $0
2022 $4,768 $437,433 $0 $0
2021 $4,997 $433,000 $167,600 $265,400
2020 $4,997 $433,000 $167,600 $265,400
2019 $4,997 $433,000 $167,600 $265,400
2018 $5,139 $449,400 $200,600 $248,800
2017 $4,927 $449,400 $0 $0
2016 -- $412,200 $0 $0
2015 $5,597 $393,600 $0 $0
2014 $5,597 $393,600 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Section Image
  • Section Image
See All Agents

Map

Source: Bright MLS

MLS Number: MDHR2020782

Bright MLS

APN: 01-145169