20 Neptune Drive, Joppa, MD 21085-4520 $699,900

Beds/Baths: 3/2.1
Interior Sq. Ft: 2,100
Acreage: 0.37
Age:54 years
Style:
Colonial
MLS#: MDHR2047030
Subdivision: Rumsey Island
Design/Type:
Detached

Description

INTERIOR PHOTOS COMING SOON! Welcome to 20 Neptune! This waterfront haven offers 3 bedrooms, 2.5 baths, and the rare blend of everyday comfort, energy efficiency, and unforgettable living. Privately tucked along the Gunpowder River with easy access to the Bay, it’s more than a home, it’s a lifestyle. From your private dock, complete with boat lift, kayak launch, and gazebo, you’ll watch eagles soar and herons glide at sunrise, spend the day on the water, and still be back in time for a sunset cruise, with fishing or crabbing just minutes away. (Flood insurance NOT required.) Protected land across the horizon ensures your view, and your peace, will never change. With sidewalks throughout the community and Mariner Point Park just 2 miles away, daily dog walks and bike rides couldn’t be more enjoyable. Your outdoor spaces here don’t just impress, they announce that you’ve arrived at the lifestyle you deserve. The salt-water pool with spa is framed by gardens designed by a Maryland Master Gardener, providing a four-season landscape of color and privacy. Multiple balconies, a greenhouse with rain collection, extensive hardscaping, and a fully fenced yard (pet-ready) create spaces to gather, garden, and unwind. Pool, spa and grounds lighting, controlled by an app, extend the lifestyle well into the evening. When it’s time to cook for a crowd, you’ll love the effortless flow from the outdoors to the kitchen, complete with a chef’s gas stove with external venting and generous counter space that frames views of the outdoors. The family room also opens seamlessly to the pool terrace for effortless entertaining. Heated tile floors in the family room, owner’s suite bath, and second bedroom "sunroom" create daily luxury, while the owner’s suite itself offers a massive walk-in closet, private balcony, and spa-like bath. No major expenses ahead, this home is fully prepped for long-term comfort: brand-new roof with GAF Timberline® Lifetime Shingles is scheduled for installation this October, complete with the prestigious GAF Golden Pledge® Warranty (lifetime material coverage for 50 years, 25 year coverage on installation errors), offering unmatched peace of mind with industry-leading coverage, workmanship protection, and long-term durability for decades to come. Trane High-Efficiency HVAC (2021), Paid-in-Full Solar PV System (2011) for maximum energy savings. Crawlspace and attic encapsulation/insulation for energy savings and healthier air. Pool automation and upgrades including Raypak heater, high-efficiency pump, iAquaLink smart controls, and new custom cover (2023). Smart Features & Appliances: Bosch dishwasher (2021), refrigerator (2020), garbage disposal (2020), smart thermostat, ethernet wiring, and so much more. This is what the seller says about this home: “What I love most about this home is the view and the peace it brings. It’s the kind of view you rarely find and one that will never change. The pool feels like a private oasis, the gardens bloom with life, and every day begins and ends with nature right outside my window. It’s a sanctuary.” Can you see yourself here? Say YES and book your appointment now. This home won't last long!

Primary Bed: 16 X 16 - Upper 1
Primary Bath: Upper 1
Bedroom 2: 13 X 11 - Upper 1
Bedroom 3: 12 X 12 - Upper 1
Full Bath: Upper 1
Family Room: 17 X 13 - Main
Kitchen: 13 X 8 - Main
Living Room: 16 X 12 - Main
Dining Room: 12 X 12 - Main
Foyer: 12 X 8 - Main
Laundry: Main

Taxes: $4,138
Home Assoc: No
Condo Assoc: No
Garage: Y
Basement: N
Pool: Yes - Personal
School Dist: Harford County Public Schools

Features

Water
Water Oriented: Yes; Water Front: Yes; Water Access: Yes; Water Body Name: OFF GUNPOWDER RIVER; Water Body Type: River; Waterfront: Private Dock Site, Rip-Rap; Types of Use: Boat - Powered, Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC); # of Non Power Boats: 2; # of Power Boats: 2; # of Docks: 1; Dock Type: Pier (Perpendicular), Hoist/Lift Electric, Private, Sun Deck; # of Slips: 1; Mean Low Water: 3; Navigable: Yes; Physical Dock/Slip Conveys: Yes; Dock/Slip Conveyance: Physical Dock/Slip Conveys;

Utilities
Forced Air Heating, Natural Gas, Ceiling Fan(s), Central A/C, Electric, Hot Water - Natural Gas, Public Water, Public Sewer

Garage/Parking
Attached Garage, Off Street, Garage Door Opener, Garage - Front Entry, Inside Access, Attached Garage Spaces #: 1;

Interior
Attic, Breakfast Area, Dining Area, Upgraded Countertops, WhirlPool/HotTub, Wood Floors, Carpet Flooring, Ceramic Tile Flooring, Hardwood Flooring, Bay/Bow Windows, Window Screens, Six Panel Doors, Sliding Glass Doors

Exterior
Active Radon Mitigation Foundation, Crawl Space Foundation, Slab Foundation, Architectural Shingle Roof, Stone Exterior, Vinyl Siding, Balconies- Multiple, Balcony, Patio(s), Extensive Hardscape, Flood Lights, Hot Tub, Sidewalks, Water Falls, Water Fountains, Fenced Pool

Lot
Cul-de-sac, Landscaping, Non-Tidal Wetland Lot, Rip-Rapped Lot, Trees/Wooded, Premium Lot, Fishing Available, River, Water View, Decorative Fence, Rear Fence, Wrought Iron Fence

Select a school from the following list. Schools are grouped by school type.
The schools on this list are selected by their proximity of up to 5 miles to the property address. Proximity does not guarantee enrollment eligibility. Please contact the school directly for more information on enrollment requirements.
* If there are more than 5 schools of any type within a close proximity, click on the button to see additional schools of that type near the search address.

Public Elementary (10 schools)

School District Grades Place Distance
Riverside Elementary Harford County Public Schools Preschool–5 Joppa 1.12 mi
Joppatowne Elementary Harford County Public Schools Preschool–5 Joppa 1.16 mi
Magnolia Elementary Harford County Public Schools Preschool–5 Joppa 1.52 mi
Oliver Beach Elementary Baltimore County Public Schools Preschool–5 Baltimore 2.36 mi
Edgewood Elementary Harford County Public Schools Preschool–5 Edgewood 3.47 mi
Vincent Farm Elementary Baltimore County Public Schools Preschool–5 White Marsh 3.69 mi
Deerfield Elementary Harford County Public Schools Preschool–5 Edgewood 3.86 mi
Chapel Hill Elementary Baltimore County Public Schools Preschool–5 Perry Hall 4.13 mi
Chase Elementary Baltimore County Public Schools Preschool–5 Baltimore 4.5 mi
Kingsville Elementary Baltimore County Public Schools K–5 Kingsville 4.85 mi

Public Middle (3 schools)

School District Grades Place Distance
Magnolia Middle Harford County Public Schools 6–8 Joppa 1.55 mi
Edgewood Middle Harford County Public Schools 6–8 Edgewood 3.96 mi
Crossroads Center Baltimore County Public Schools 6–8 Baltimore 4.23 mi

Public High (2 schools)

School District Grades Place Distance
Joppatowne High Harford County Public Schools 9–12 Joppa 0.81 mi
Edgewood High Harford County Public Schools 9–12 Edgewood 4.07 mi

Private (8 schools)

School Grades Place Distance
One School Global-Chesapeake Campus Nonsectarian 3–12 Joppa 1.48 mi
Trinity Lutheran Christian School & Early Learning Center Other Lutheran Preschool–8 Joppa 2.72 mi
St Stephen Parochial School Roman Catholic Preschool–8 Kingsville 2.78 mi
Royal International Christian Academy Christian (no specific denomination) Ungraded White Marsh 3.83 mi
Royal Inernational Christian Academy Christian (no specific denomination) K–1 White Marsh 3.85 mi
High Road School Of Baltimore County Nonsectarian 6–12 White Marsh 4.2 mi
St Pauls Lutheran School Lutheran Church - Missouri Synod Preschool–8 Kingsville 4.49 mi
Open Bible Christian Academy Other Preschool–12 Kingsville 4.99 mi

© 2025 LiveBy. All Rights Reserved.

This report is a detailed community overview for Joppa (21085), Maryland.

Community Quick Facts

  • Average travel time to work for people in this community: 34
  • Average salary of people in this community: $52,647

Community Summary

  • Population Density (ppl / mile): 874
  • Household Size (ppl): 2.61
  • Households w/ Children: 52%

Housing Inventory

  • Owned: 4,956 (73.6%)
  • Rented: 1,180 (17.5%)
  • Vacant: 597 (8.9%)
  • Total: 6,733

Population Demographics

The population of the community broken down by age group. The numbers at the top of each bar indicate the number of people in the age bracket below.

Total: 16,055
Households: 6,136
Median Age: 41.90

Climate and Weather

The Temperature chart displays average high and low values for January and July, and is designed to provide an indication of both seasonal and daily temperature variability. The Weather Risk Index indicates the calculated risk of each type of weather event occurring in the future. This risk is based on historical localized storm events and weather patterns. The national average for each type of weather event equals a score of 100, so a score of 200 would represent twice the risk as the national average, and a score of 50 would represent half the risk of the national average.

Temperature

Education

Highest Level of Education Attained

  • Less than 9th Grade: 2.1%
  • Some High School: 5.2%
  • High School Graduate: 29.4%
  • Some College: 23.2%
  • Associate Degree: 7.7%
  • Bachelor's Degree: 20.4%
  • Graduate Degree: 11.9%

Income by dollar range

Median Income: $89,127

Fair Market Rents

The Fair Market Rents show average gross rent estimates based on figures provided by the U.S. Department of Housing and Urban Development (HUD).

  • One Bedroom: $718
  • Two Bedroom: $1,166
  • Three Bedroom: $1,300
  • Four Bedroom: $1,705

© 2025 LiveBy. All Rights Reserved.

Contact Information

Listing Courtesy of: EXP Realty, LLC , (888) 860-7369, md.broker@exprealty.net

The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which Patterson-Schwartz Real Estate participates, and is provided by BRIGHT through a licensing agreement. The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Information Deemed Reliable But Not Guaranteed.
Copyright BRIGHT, All Rights Reserved
Listing data as of 9/05/2025.

20 Neptune Drive, Joppa, MD 21085-4520

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Broker Compensation

An offer of broker compensation or seller concession is not a guarantee. All compensation offers and concessions are negotiable and subject to written agreement between the parties. Please consult with your real estate agent for more information.