20 Neptune Dr
Joppa, MD 21085
- 3 Beds
- 2.5 Baths
- 2,100 sqft (on 0.37 acres)
$670,000
Last Sold: Dec 30, 2025
1% below list $675K
$319/sqft
Est. Refi. Payment $3,943/mo*
$670,000
Last Sold: Dec 30, 2025
1% below list $675K
$319/sqft
Est. Refi. Payment $3,943/mo*
3 Beds
2.5 Baths
2,100 sqft
(on 0.37 acres)
Local Information
-- mins to
Home Highlights
Property Type
Single-Family Home
Year Built
1971
Lot Size
0.37 acres
Living Area
2,100 sqft
Price/Sqft
$319/sqft
Parking
1 Car Garage
About this House
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!
20 Neptune Dr, Joppa, MD 21085 is a 3 bedroom, 3 bathroom, 2,100 sqft single-family home built in 1971. It last sold for $670,000 on Dec 30, 2025 (1% below the $675,000 asking price). It is currently off market. The Trulia Estimate is $676,200, with a rent estimate of $2,960/month.
Home Details for 20 Neptune Dr
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Interior Details Number of Rooms: 11Types of Rooms: Primary Bedroom, Bedroom 2, Bedroom 3, Primary Bathroom, Dining Room, Family Room, Foyer, Full Bath, Kitchen, Laundry, Living Room |
Beds & Baths Number of Bedrooms: 3Number of Bathrooms: 3Number of Bathrooms (full): 2Number of Bathrooms (half): 1Number of Bathrooms (main level): 1 |
Dimensions and Layout Living Area: 2100 Square Feet |
Appliances & Utilities Appliances: Dishwasher, Disposal, Dryer, Exhaust Fan, Microwave, Oven/Range - Gas, Range Hood, Refrigerator, Six Burner Stove, Washer, Gas Water HeaterDishwasherDisposalDryerLaundry: Main Level,Laundry RoomMicrowaveRefrigeratorWasher |
Heating & Cooling Heating: Forced Air,Radiant,Natural GasHas CoolingAir Conditioning: Ceiling Fan(s),Central Air,ElectricHas HeatingHeating Fuel: Forced Air |
Fireplace & Spa Spa: Bath, Hot TubNo FireplaceHas a Spa |
Windows, Doors, Floors & Walls Window: Bay/Bow, ScreensDoor: Six Panel, Sliding GlassFlooring: Carpet, Ceramic Tile, Hardwood, Wood |
Levels, Entrance, & Accessibility Stories: 2Levels: TwoAccessibility: NoneFloors: Carpet, Ceramic Tile, Hardwood, Wood |
View Has a ViewView: Water |
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Exterior Home Features Roof: Architectural ShinglePatio / Porch: PatioFencing: Decorative, Back Yard, Wrought IronOther Structures: Above Grade, Below GradeExterior: Extensive Hardscape, Flood Lights, Sidewalks, Water Falls, Water Fountains, BalconyFoundation: Active Radon Mitigation, Crawl Space, SlabHas a Private Pool |
Parking & Garage Number of Garage Spaces: 1Number of Covered Spaces: 1No CarportHas a GarageHas an Attached GarageHas Open ParkingParking Spaces: 3Parking: Garage Door Opener,Garage Faces Front,Inside Entrance,Concrete,Off Street,Attached |
Pool Pool: Fenced, In Ground, Pool/Spa Combo, Salt Water, PrivatePool |
Frontage WaterfrontWaterfront: Private Dock Site, Rip-Rap, River, Boat - Powered, Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC)On Waterfront |
Water & Sewer Sewer: Public SewerWater Body: Off Gunpowder River |
Farm & Range Frontage Length: Water Frontage Ft: 30 |
Finished Area Finished Area (above surface): 2100 Square Feet |
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Year Built Year Built: 1971 |
Property Type / Style Property Type: ResidentialProperty Subtype: Single Family ResidenceStructure Type: DetachedArchitecture: Colonial |
Building Construction Materials: Stone, Vinyl SidingNot a New Construction |
Property Information Condition: Very GoodIncluded in Sale: Gazebo At Dock, Table Set At Dock, Kayak Launch, Greenhouse, Garage Shelving, Pool Equipment And SuppliesParcel Number: 1301122665 |
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Price List Price: $675,000Price Per Sqft: $319/sqft |
Status Change & Dates Off Market Date: Tue Dec 30 2025Possession Timing: Close Of Escrow |
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MLS Status: CLOSED |
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Direction & Address City: JOPPACommunity: Rumsey Island |
School Information Elementary School District: Harford County Public SchoolsJr High / Middle School District: Harford County Public SchoolsHigh School District: Harford County Public Schools |
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Building Area Building Area: 2100 Square Feet |
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Not Senior Community |
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No HOA |
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Lot Area: 0.37 acres |
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Special Conditions: Standard |
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Contingencies: Home SaleListing Agreement Type: Exclusive Right To SellListing Terms: Cash, Conventional, FHA, VA Loan |
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Business Information Ownership: Fee Simple |
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Mls Number: MDHR2047030Water ViewWater View: WaterAbove Grade Unfinished Area: 2100 |
Last check for updates: about 23 hours ago
Listed by Teal Clise, (443) 570-3931
EXP Realty, LLC
Listing Team: Teal Clise Group Of Exp Realty
Bought with: Bryan Schafer, (443) 928-0099, Compass
Source: Bright MLS, MLS#MDHR2047030

Price History for 20 Neptune Dr
| Date | Price | Event | Source |
|---|---|---|---|
| 12/30/2025 | $670,000 | Sold | Bright MLS #MDHR2047030 |
| 12/16/2025 | $675,000 | Pending | Bright MLS #MDHR2047030 |
| 11/06/2025 | $675,000 | Contingent | Bright MLS #MDHR2047030 |
| 11/05/2025 | $675,000 | Pending | Bright MLS #MDHR2047030 |
| 11/05/2025 | $675,000 | Contingent | Bright MLS #MDHR2047030 |
| 10/20/2025 | $675,000 | PriceChange | Bright MLS #MDHR2047030 |
| 10/10/2025 | $689,900 | PriceChange | Bright MLS #MDHR2047030 |
| 09/19/2025 | $699,900 | Pending | Bright MLS #MDHR2047030 |
| 09/11/2025 | $699,900 | Listed For Sale | Bright MLS #MDHR2047030 |
| 08/26/2010 | $564,000 | Sold | N/A |
| 03/28/2009 | $765,000 | Listed For Sale | Agent Provided |
| 08/22/2000 | $263,000 | Sold | N/A |
Market trends in Joppa
Last updated June 2026
Avg. sale price
—
Sale-to-List Price
—
Price per sq ft
—
Available listings
44
5MoM
Property Tax and Assessment
| Year | 2025 |
|---|---|
| Tax | $4,346 |
| Assessment | $399,200 |
Home facts updated by county records
Comparable Sales for 20 Neptune Dr
Address | Distance | Property Type | Sold Price | Sold Date | Bed | Bath | Sqft |
|---|---|---|---|---|---|---|---|
0.03 | Single-Family Home | $780,000 | 05/26/26 | 3 | 2.5 | 2,534 | |
0.12 | Single-Family Home | $415,000 | 12/04/25 | 3 | 2.5 | 1,824 | |
0.31 | Single-Family Home | $637,990 | 05/22/26 | 4 | 2 | 2,160 | |
0.16 | Single-Family Home | $799,000 | 05/29/26 | 4 | 3.5 | 3,440 | |
0.12 | Single-Family Home | $340,000 | 03/24/26 | 4 | 1.5 | 1,560 | |
0.58 | Single-Family Home | $425,000 | 02/05/26 | 3 | 2.5 | 2,350 | |
0.37 | Single-Family Home | $515,000 | 01/12/26 | 4 | 3 | 2,920 | |
0.50 | Single-Family Home | $411,000 | 06/25/26 | 4 | 3 | 2,370 | |
0.49 | Single-Family Home | $425,000 | 02/19/26 | 4 | 2 | 1,962 |
Nearby homes
Get a sense of prices in the area by checking nearby homes.Assigned Schools
These are the assigned schools for 20 Neptune Dr.
What Locals Say about Joppa
At least 123 Trulia users voted on each feature.
92 % Say car is needed
92 % Say parking is easy
88 % Say it's dog friendly
86 % Say there are sidewalks
86 % Say yards are well-kept
78 % Say there's holiday spirit
75 % Say it's quiet
70 % Say there's wildlife
69 % Say kids play outside
65 % Say people would walk alone at night
63 % Say streets are well-lit
57 % Say neighbors are friendly
56 % Say it's walkable to grocery stores
44 % Say it's walkable to restaurants
41 % Say they plan to stay for at least 5 years
29 % Say there are community events
Sourced by Trulia users. Learn more about our methodology.
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Apartments for Rent
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Off Market Homes Near 20 Neptune Dr
Frequently asked questions about 20 Neptune Dr
- What is 20 Neptune Dr estimated to be worth?Trulia's estimated value for 20 Neptune Dr in Joppa, MD is $676,200.
- What is the price history for 20 Neptune Dr?20 Neptune Dr in Joppa, MD last sold for $670,000 in December 2025.
- Is Joppa a buyer's or seller's market?Joppa is currently a seller's market, based on recent for-sale activity.
- What do residents say about Joppa?Residents describe Joppa, MD as easy to park in, dog-friendly, and pedestrian-friendly. See recently sold homes in Joppa, MD.
- Does 20 Neptune Dr have air conditioning?Yes, 20 Neptune Dr in Joppa, MD has air conditioning.
- Does 20 Neptune Dr have a pool?Yes, 20 Neptune Dr in Joppa, MD has a pool.

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