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20 Neptune Drive Joppa, MD $ 675,000
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$ 675,000 Get more info
20 Neptune Drive
$ 675,000
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Share Save

20 Neptune Drive

Joppa, MD, 21085
$ 675,000
Bedrooms3 Baths2.1 Sq 2,100

Monthly Estimate*

$ 4,211

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Single Family Home for sale in Joppa, MD

for $675,000 with 3 bedrooms and 2 full baths, 1 half bath. This 2,100 square foot home was built in 1971 on a lot size of 0.37.

Back up offers welcomed. 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 sellers 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 owners 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!

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Single Family Contingent

Price

$ 675,000

Bedrooms

3

Full Bath

2

Half Bath

1

Property Type

Single Family

Taxes

$ 4,138

Style

Colonial

Lot Size

0.37

Year Built

1971

Town/City

Joppa

County/Region

Harford

MLS | Web ID

MDHR2047030
Features
General
Living Area 2100
Sewer Public Sewer
Heating Forced Air Radiant
Cooling Ceiling Fan(s) Central A/C
Possession Settlement
Roof Architectural Shingle
Appliances Dishwasher Disposal Dryer Exhaust Fan Microwave Oven/Range - Gas Range Hood Refrigerator Six Burner Stove Washer
Zoning R3
Garage Spaces 1.00
Patio/Porch Features Balconies- Multiple Balcony Patio(s)
Architectural Style Colonial
Pool Features Fenced In Ground Pool/Spa Combo Saltwater
Construction Materials Stone Vinyl Siding
School District HARFORD COUNTY PUBLIC SCHOOLS
Year Built 1971
View Water
Levels 2
Tax Year 2024
Ownership Fee Simple
Cool Fuel Electric
Waterfront Features Private Dock Site Rip-Rap
Accessibility None
County HARFORD
New Construction N
Property Type Residential
HOA N
Subdivision Name RUMSEY ISLAND
Garage Y/N Y
Water Access Y/N Y
Green Energy Generation PV Solar Array(s) Owned
Green Indoor Air Quality Ventilation
Other Structures Above Grade Below Grade
Full Baths 2
Status ACTIVE UNDER CONTRACT
Directions Joppa Farm Road to Shore to Bridge to Old Sound to Neptune
City JOPPA
Body of Water OFF GUNPOWDER RIVER
Senior Community Y/N N
Lot Size Units Square Feet
Lot Size Square Feet 16097.00
Tax Annual Amount 4138.0
Home Warranty Y/N N
Property Condition Very Good
Structure Type Detached
Condo/Coop Association Fee Y/N N
Bathrooms Full Main Level 0
Bathrooms Count Main Level 1.00
Price Per Sq Ft Total AG 321.43
Acceptable Financing Cash Conventional FHA VA
Lease Considered Y/N N
Vacation Rental Y/N N
Location Type River
Standard Status Active Under Contract
Year Built Source Assessor
Legal Subdivision JOPPATOWNE
Tax Lot 22
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Interior
Interior Amenities Attic Breakfast Area Dining Area Upgraded Countertops Wood Floors WhirlPool/HotTub Recessed Lighting Floor Plan - Open Primary Bath(s) Walk-in Closet(s) Bathroom - Jetted Tub Bathroom - Stall Shower
Heating Fuel Natural Gas
Flooring Carpet Ceramic Tile Hardwood
Hot Water Natural Gas
Basement (Y/N) N
Heating Y/N Y
Window Features Bay/Bow Screens
Fireplace Y/N N
Above Grade Finished Area 2100
Half Baths 1
Central Air Y/N Y
Total Bedrooms 3
Below Grade Finished Area 0
Room Type Living Room Dining Room Primary Bedroom Bedroom 2 Bedroom 3 Kitchen Family Room Foyer Laundry Primary Bathroom Full Bath
Main Level Bedrooms 0
Below Grade Finished Area Unit Type Square Feet
Laundry Type Main Floor
Below Grade Finished Area Source Assessor
Above Grade Finished Area Source Assessor
Above Grade Finished Area Unit Type Square Feet
Total Baths 3
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Exterior
Exterior Amenities Extensive Hardscape Flood Lights Hot Tub Sidewalks Water Falls Water Fountains
Pool Yes - Personal
Fencing Decorative Rear Wrought Iron
Parking Features Concrete Driveway
Lot Features Cul-de-sac Landscaping Premium No Thru Street Rip-Rapped Trees/Wooded Fishing Available Tidal Wetland
Water Source Public
Inclusions gazebo at dock table set at dock kayak launch greenhouse garage shelving pool equipment and supplies
Garage Features Garage Door Opener Garage - Front Entry Inside Access
Type of Parking Off Street Attached Garage
Foundation Details Active Radon Mitigation Crawl Space Slab
Water View Y/N Y
Lot Size Acres 0.37
Water Body Type River
Lot Size Source Assessor
Waterfront Y/N Y
Door Features Six Panel Sliding Glass
Water Access Features Boat - Powered Canoe/Kayak Fishing Allowed Personal Watercraft (PWC)
Number of Docks 1
Land Assessed Value 167400.00
Navigable Water Y/N Y
Number of Slips 1
Water Oriented Y/N Y
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Internal Only
Street Number 1 20
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* Excluded Features
List By
Exp Realty, Llc

Broker

teal@tealclise.com

Email

Affordability Calculator

$4,556
Per Month
92%
8%
0%
Monthly Principal & Interest
$4,211
Monthly Property Taxes
$345
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
3535400 Elementary School
3534446 Middle School
Unknown High School High School
See complete school information
Pricing History
DatePricePrice ChangeDescription
10/20/2025$675,000 -2.16% Price Down
10/10/2025$689,900 -1.43% Price Down
9/4/2025$699,900 Listed Price

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20 Neptune Drive, Joppa, MD, 21085 is a Single Family Home for sale at $675,000 with 2,100 sqft and a lot size of 0.37. 20 Neptune Drive has 3 bedrooms, 2.1 baths, and was built in 1971. The property's zip code is 21085 which is in Joppa, MD

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