This 2-bedroom, 1.5-bath semi-detached home is located in the desirable Rumsey Island waterfront community. Enjoy beautiful water views right from your property. Step outside to a huge composite deck, perfect for entertaining, or relaxing while taking in the scenic views. Below, a spacious paver patio provides additional outdoor living space, overlooking a nice, level backyard with plenty of room to play or garden. Inside, the bright and open layout features a skylight that floods the home with natural light and a cozy fireplace for those relaxing evenings. The main level offers comfortable living areas along with two nice-sized bedrooms and 1.5 baths. A flexible space offers the possibility for a third bedroom or convenient home office. Additional highlights include the attached garage/storage and excellent curb appeal with mature landscaping. This home perfectly blends comfortable interior living with outstanding outdoor features in a prime waterfront community location.
For sale
Price cut: $20K (8/19)
$319,900
109 Breakwater Ct, Joppa, MD 21085
2beds
1,360sqft
Single Family Residence
Built in 1984
5,134 Square Feet Lot
$316,600 Zestimate®
$235/sqft
$-- HOA
What's special
Two nice-sized bedroomsBright and open layout
- 49 days |
- 437 |
- 19 |
Zillow last checked:
Listing updated:
Listed by:
Margaret Steen 410-679-8336,
Steen Properties 410-679-8336
Source: Bright MLS,MLS#: MDHR2057108
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Basement
- Area: 0
Heating
- Heat Pump, Electric
Cooling
- Central Air, Ceiling Fan(s), Electric
Appliances
- Included: Microwave, Dryer, Disposal, Refrigerator, Cooktop, Washer, Electric Water Heater
Features
- Ceiling Fan(s), Open Floorplan, Walk-In Closet(s), Dining Area, Cathedral Ceiling(s)
- Flooring: Carpet, Hardwood
- Windows: Skylight(s)
- Has basement: No
- Number of fireplaces: 1
- Fireplace features: Wood Burning
Interior area
- Total structure area: 1,360
- Total interior livable area: 1,360 sqft
- Finished area above ground: 1,360
- Finished area below ground: 0
Property
Parking
- Total spaces: 6
- Parking features: Concrete, Driveway, Off Street
- Uncovered spaces: 4
Accessibility
- Accessibility features: None
Features
- Levels: Split Foyer,Two
- Stories: 2
- Patio & porch: Deck, Patio
- Pool features: None
- Fencing: Full
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Canal
- Body of water: Gunpowder
Lot
- Size: 5,134 Square Feet
- Dimensions: 34.00 x
- Features: No Thru Street
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 1301141457
- Zoning: R3
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
- Attached to another structure: Yes
Materials
- Brick Front, Vinyl Siding
- Foundation: Block
- Roof: Asphalt,Shingle
Condition
- Good
- New construction: No
- Year built: 1984
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Natural Gas Available
Community & HOA
Community
- Subdivision: Rumsey Island
HOA
- Has HOA: No
Location
- Region: Joppa
Financial & listing details
- Price per square foot: $235/sqft
- Tax assessed value: $198,800
- Annual tax amount: $2,059
- Date on market: 7/3/2026
- Listing agreement: Exclusive Right To Sell
- Listing terms: FHA,Cash,Conventional,VA Loan
- Ownership: Fee Simple
Estimated market value
$316,600
$301,000 - $332,000
$2,292/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/19/2026 | Price change | $319,900-5.9%$235/sqft |
Source:  Bright MLS #MDHR2057108 Report a problem | ||
| 7/31/2026 | Price change | $339,900-2.9%$250/sqft |
Source: Bright MLS #MDHR2057108 Report a problem | ||
| 7/3/2026 | Listed for sale | $349,900+212.4%$257/sqft |
Source: Bright MLS #MDHR2057108 Report a problem | ||
| 8/14/2019 | Listing removed | $1,450$1/sqft |
Source: American Premier Realty #MDHR235252 Report a problem | ||
| 7/2/2019 | Price change | $1,450-4.9%$1/sqft |
Source: American Premier Realty #MDHR235252 Report a problem | ||
| 6/18/2019 | Listed for rent | $1,525+5.2%$1/sqft |
Source: Owner Report a problem | ||
| 4/27/2015 | Listing removed | $1,450$1/sqft |
Source: Owner Report a problem | ||
| 3/28/2015 | Listed for rent | $1,450$1/sqft |
Source: Owner Report a problem | ||
| 4/30/1997 | Sold | $112,000+4.8%$82/sqft |
Source: Public Record Report a problem | ||
| 1/5/1996 | Sold | $106,900+18.8%$79/sqft |
Source: Public Record Report a problem | ||
| 6/6/1994 | Sold | $90,000$66/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,059 +5.5% | $188,900 +5.5% |
| 2024 | $1,951 +2.2% | $179,000 +2.2% |
| 2023 | $1,909 +2.2% | $175,167 -2.1% |
| 2022 | $1,867 -2.1% | $179,000 +6.9% |
| 2021 | $1,908 -1.3% | $167,500 |
| 2020 | $1,933 | $167,500 |
| 2019 | $1,933 -5.6% | $167,500 -5.6% |
| 2018 | $2,047 | $177,400 |
| 2017 | $2,047 | $177,400 +8.3% |
| 2016 | -- | $163,733 +4.4% |
| 2015 | -- | $156,900 |
| 2014 | $1,903 | $156,900 |
| 2013 | -- | $156,900 -5.7% |
| 2012 | -- | $166,400 |
| 2011 | -- | $166,400 |
| 2010 | -- | $166,400 -21.8% |
| 2009 | -- | $212,710 +15.9% |
| 2008 | -- | $183,590 +18.9% |
| 2007 | -- | $154,470 +23.2% |
| 2006 | -- | $125,350 +7% |
| 2005 | -- | $117,110 +7.6% |
| 2004 | -- | $108,870 +8.2% |
| 2003 | -- | $100,630 +1.8% |
| 2002 | -- | $98,826 +1.9% |
| 2001 | -- | $97,023 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 21085
Nearby schools
GreatSchools rating
- 4/10Joppatowne Elementary SchoolGrades: PK-5Distance: 0.8 mi
- 3/10Magnolia Middle SchoolGrades: 6-8Distance: 1.6 mi
- 4/10Joppatowne High SchoolGrades: 9-12Distance: 0.6 mi
Schools provided by the listing agent
- District: Harford County Public Schools
Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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