SPECIAL RATE OFFER! SELLER WILL PAY TO GET YOUR RATE INTO THE 4's! The sellers are offering a 2-1 temporary rate buydown, meaning your interest rate will be 2% lower the first year (currently in the 4's!) and 1% lower the second year to help reduce your monthly payments. Prefer a different option? You can also use the seller’s contribution toward a permanent rate buydown or closing costs. OFFER VALID UNTIL NOVEMBER 30TH! ASK FOR MORE INFO! Welcome to 20 Neptune, a true waterfront retreat for those who crave privacy, connection to nature, and everyday comfort without compromise (and NO FLOOD INSURANCE!). Nestled along the quiet banks of the Gunpowder River with direct access to the Bay, this home delivers a lifestyle that feels like a getaway but functions beautifully for everyday living. The island behind the property is protected land that will never be developed. It also acts as a buffer during major storms. When the leaves fall, the view beyond that island expands beautifully. Experience a resort-like setting here. The saltwater pool and spa are framed by native perennial gardens, intentionally planted for color, privacy, and ease of care through every season. From your private dock with boat lift, kayak launch, and gazebo, you can start your day on the water and end it with sunset views that never grow old. Inside, the layout flows easily between indoor and outdoor spaces. Whether hosting friends or enjoying a quiet morning by the water, this home was designed for effortless living. Thoughtful updates bring modern comfort: heated tile floors, a Trane High-Efficiency HVAC (2021), paid-in-full solar panel system, and crawlspace encapsulation for efficiency and healthier air. The owner’s suite is a private retreat of its own, complete with a walk-in closet, spa-inspired bath, and balcony overlooking the water. Every space here feels intentional, warm, welcoming, and ready for the next chapter of its story. This is a home for those who cherish natural beauty, lasting comfort, and a lifestyle that flows as easily as the river it overlooks. At 20 Neptune, every sunrise, tide, and breeze feels like an invitation to slow down and live fully. Welcome home!
Sold for $670,000
$670,000
20 Neptune Dr, Joppa, MD 21085
3beds
2,100sqft
Single Family Residence
Built in 1971
0.37 Acres Lot
$674,700 Zestimate®
$319/sqft
$2,815 Estimated rent
Home value
$674,700
$627,000 - $729,000
$2,815/mo
Zestimate® history
Owner options
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$2,815/mo
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$2,815/mo
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$3,944/mo
Est. payment
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$3,944/mo
Est. payment
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List your homeWhat's special
Waterfront havenSalt-water pool with spaBoat liftGardens bloom with lifeFully fenced yardGreenhouse with rain collectionMassive walk-in closet
Zillow last checked:
Listing updated:
Listed by:
Teal Clise 443-570-3931,
EXP Realty, LLC,
Listing Team: Teal Clise Group Of Exp Realty
Bought with:
Bryan Schafer, 0225271554
Compass
Source: Bright MLS,MLS#: MDHR2047030
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Primary bedroom
- Features: Flooring - HardWood
- Level: Upper
- Area: 256 Square Feet
- Dimensions: 16 X 16
Bedroom 2
- Features: Flooring - Carpet
- Level: Upper
- Area: 143 Square Feet
- Dimensions: 13 X 11
Bedroom 3
- Features: Flooring - Carpet
- Level: Upper
- Area: 144 Square Feet
- Dimensions: 12 X 12
Primary bathroom
- Level: Upper
Dining room
- Features: Flooring - Carpet
- Level: Main
- Area: 144 Square Feet
- Dimensions: 12 X 12
Family room
- Features: Flooring - Tile/Brick
- Level: Main
- Area: 221 Square Feet
- Dimensions: 17 X 13
Foyer
- Features: Flooring - Tile/Brick
- Level: Main
- Area: 96 Square Feet
- Dimensions: 12 X 8
Other
- Level: Upper
Kitchen
- Features: Flooring - Tile/Brick
- Level: Main
- Area: 104 Square Feet
- Dimensions: 13 X 8
Laundry
- Level: Main
Living room
- Features: Flooring - Carpet
- Level: Main
- Area: 192 Square Feet
- Dimensions: 16 X 12
Heating
- Forced Air, Radiant, Natural Gas
Cooling
- Ceiling Fan(s), Central Air, Electric
Appliances
- Included: Dishwasher, Disposal, Dryer, Exhaust Fan, Microwave, Oven/Range - Gas, Range Hood, Refrigerator, Six Burner Stove, Washer, Gas Water Heater
- Laundry: Main Level, Laundry Room
Features
- Attic, Breakfast Area, Dining Area, Upgraded Countertops, Recessed Lighting, Open Floorplan, Primary Bath(s), Walk-In Closet(s), Bathroom - Stall Shower, Bathroom - Tub Shower, Bathroom - Walk-In Shower, Ceiling Fan(s)
- Flooring: Carpet, Ceramic Tile, Hardwood, Wood
- Doors: Six Panel, Sliding Glass
- Windows: Bay/Bow, Screens
- Has basement: No
- Has fireplace: No
Interior area
- Total structure area: 2,100
- Total interior livable area: 2,100 sqft
- Finished area above ground: 2,100
- Finished area below ground: 0
Property
Parking
- Total spaces: 3
- Parking features: Garage Door Opener, Garage Faces Front, Inside Entrance, Concrete, Off Street, Attached
- Attached garage spaces: 1
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio
- Exterior features: Extensive Hardscape, Flood Lights, Sidewalks, Water Falls, Water Fountains, Balcony
- Has private pool: Yes
- Pool features: Fenced, In Ground, Pool/Spa Combo, Salt Water, Private
- Has spa: Yes
- Spa features: Bath, Hot Tub
- Fencing: Decorative,Back Yard,Wrought Iron
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Private Dock Site, Rip-Rap, River, Boat - Powered, Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC)
- Body of water: Off Gunpowder River
- Frontage length: Water Frontage Ft: 30
Lot
- Size: 0.37 Acres
- Features: Cul-De-Sac, Landscaped, Premium, No Thru Street, Rip-Rapped, Wooded, Fishing Available, Tidal Wetland
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 1301122665
- Zoning: R3
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subtype: Single Family Residence
Materials
- Stone, Vinyl Siding
- Foundation: Active Radon Mitigation, Crawl Space, Slab
- Roof: Architectural Shingle
Condition
- Very Good
- New construction: No
- Year built: 1971
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Green energy
- Energy generation: PV Solar Array(s) Owned
- Indoor air quality: Ventilation
Community & neighborhood
Location
- Region: Joppa
- Subdivision: Rumsey Island
Other
Other facts
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,FHA,VA Loan
- Ownership: Fee Simple
Price history
| Date | Event | Price |
|---|---|---|
| 12/30/2025 | Sold | $670,000-0.7%$319/sqft |
Source:  Bright MLS #MDHR2047030 Report a problem | ||
| 12/16/2025 | Pending sale | $675,000$321/sqft |
Source: Bright MLS #MDHR2047030 Report a problem | ||
| 11/6/2025 | Contingent | $675,000$321/sqft |
Source: Bright MLS #MDHR2047030 Report a problem | ||
| 11/5/2025 | Pending sale | $675,000$321/sqft |
Source: Bright MLS #MDHR2047030 Report a problem | ||
| 11/5/2025 | Contingent | $675,000$321/sqft |
Source: Bright MLS #MDHR2047030 Report a problem | ||
| 10/20/2025 | Price change | $675,000-2.2%$321/sqft |
Source: Bright MLS #MDHR2047030 Report a problem | ||
| 10/10/2025 | Price change | $689,900-1.4%$329/sqft |
Source: Bright MLS #MDHR2047030 Report a problem | ||
| 9/19/2025 | Pending sale | $699,900$333/sqft |
Source: Bright MLS #MDHR2047030 Report a problem | ||
| 9/11/2025 | Listed for sale | $699,900+24.1%$333/sqft |
Source: Bright MLS #MDHR2047030 Report a problem | ||
| 8/26/2010 | Sold | $564,000-26.3%$269/sqft |
Source: Public Record Report a problem | ||
| 3/28/2009 | Listed for sale | $765,000+190.9%$364/sqft |
Source: Long & Foster Real Estate, Inc. #HR7012194 Report a problem | ||
| 8/22/2000 | Sold | $263,000$125/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $4,346 +5% | $399,200 +5.1% |
| 2024 | $4,138 +0.9% | $379,700 +0.9% |
| 2023 | $4,100 +0.9% | $376,200 -0.9% |
| 2022 | $4,062 -3.4% | $379,700 +2.8% |
| 2021 | $4,205 -1.3% | $369,200 |
| 2020 | $4,261 | $369,200 |
| 2019 | $4,261 -5.4% | $369,200 -5.4% |
| 2018 | $4,502 | $390,100 |
| 2017 | $4,502 | $390,100 +7.7% |
| 2016 | -- | $362,233 +4% |
| 2015 | -- | $348,300 |
| 2014 | $5,256 | $348,300 |
| 2013 | -- | $348,300 -24.2% |
| 2012 | -- | $459,600 |
| 2011 | -- | $459,600 |
| 2010 | -- | $459,600 -9.8% |
| 2009 | -- | $509,570 +13.4% |
| 2008 | -- | $449,262 +15.5% |
| 2007 | -- | $388,956 +18.3% |
| 2006 | -- | $328,650 +9.4% |
| 2005 | -- | $300,440 +10.4% |
| 2004 | -- | $272,230 +11.6% |
| 2003 | -- | $244,020 +4.2% |
| 2002 | -- | $234,232 +4.4% |
| 2001 | -- | $224,446 |
Find assessor info on the county website
Neighborhood: 21085
Nearby schools
GreatSchools rating
- 2/10Joppatowne Elementary SchoolGrades: PK-5Distance: 1.2 mi
- 4/10Magnolia Middle SchoolGrades: 6-8Distance: 1.5 mi
- 4/10Joppatowne High SchoolGrades: 9-12Distance: 0.8 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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Estimated market value
$674,700
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Estimated market value
$674,700
- Maryland
- Harford County
- Joppa
- 21085
- 20 Neptune Dr
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