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$349,900 Just Listed

  • For Sale
  • Active
  • Single Family
  • 2 Beds
  • 1 Full Bath
  • 1 Partial Bath
  • 1,360 Sq. Ft.
  • Updated 2 days ago
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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.

Full Property Details for 109 Breakwater Ct

General

  • Price: $349,900
  • Taxes: $2,059 (2025)
  • Status: Active
  • Type: Single Family
  • Source: BrightMLSMidAtlantic
  • MLS ID: MDHR2057108
  • Updated: 7/3/2026
  • Added to Site: 3 day(s) ago

Interior

  • Interior Features: Carpet, Ceiling Fan(s), Floor Plan - Open, Skylight(s), Walk-in Closet(s), Dining Area
  • Fireplace: Yes
  • Number of Fireplaces: 1
  • Fireplace(s): Wood
  • Appliances: Built-In Microwave, Dryer, Disposal, Refrigerator, Stove, Washer
  • Flooring: Carpet, Hardwood

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 1
  • Half Bathrooms: 1
  • Main Floor Baths: 1
  • Main - 1/2 Baths: 1
  • Lower Floor Baths: 1
  • Lower - Full Baths: 1

Bedrooms

  • Total Bedrooms: 2
  • Bedrooms Lower: 2

Exterior

  • Porch/Patio/Deck: Deck(s), Patio(s)

Parking

  • Total Spaces: 6
  • Parking Features: Concrete Driveway
  • Parking Type: Driveway, Off Street

Location

  • County: HARFORD
  • Subdivision: RUMSEY ISLAND
  • Driving Directions: Joppafarm to R on Shore Dr to L on Breakwater Ct

School Information

  • School District: Harford County Public Schools

Heating & Cooling

  • Central air: Yes
  • Cooling Type: Central A/C, Ceiling Fan(s)
  • Cooling Fuel: Electric
  • Heating Type: Heat Pump(s)
  • Heating Fuel: Electric
  • Water Heater: Electric

Utilities

  • Sewer: Public Sewer
  • Water: Public
  • Dist. to Water: 85 Feet
  • Utility Description: Natural Gas Available

Structural Information

  • Architectural Style: Split Foyer
  • Structure Type: Twin/Semi-Detached
  • Construction: Brick Front, Vinyl Siding
  • Foundation: Block
  • Roof: Asphalt, Shingle
  • Walls/Ceilings: Cathedral Ceilings
  • Stories Description: Lower 1, Main
  • Square Feet: 1,360
  • Sq. Ft. Source: Assessor
  • Living Area: 1,360 Sq. Ft.
  • Finished Above Grnd: 1,360 Sq. Ft.
  • Year Built: 1984
  • Year Built Source: Assessor
  • Property Condition: Good

Unit Information

Unit 1

  • Bathrooms-Lower: 1
  • Bedrooms-Lower: 2

Additional Structures

  • Other Structures: Shed

Lot Features

  • Property View: Water
  • Lot Size (Acres): 0.12
  • Lot Size (Sq. Ft.): 5,134
  • Lot Size Source: Assessor
  • Lot Dimensions: 34.00 x
  • Zoning: R3
  • Lot Description: No Thru Street
  • Fencing (Description): Fully

Water Features

  • Water View: Yes
  • Water Front Type: Canal
  • Water Front Name: Gunpowder

Financial Considerations

  • Price Per Sq. Ft.: $257.28
  • Assessment Year: 2026
  • County Tax: $2,059
  • County Tax Freq: Annually
  • Tax w/Assessment: $198,800
  • Tax Amount: $2,059
  • Tax Year: 2025
  • Tax Total Finished Sq. Ft.: 1360

Disclosures and Reports

  • Ownership: Fee Simple
  • Lot Number: 28

Listed by Steen Properties, Margaret M Steen

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Listing agent

— 109 Breakwater Ct —

  • Margaret M Steen

    Steen Properties

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 109 Breakwater Ct

School District:Harford County Public Schools
NameGradesDistance
Joppatowne Elementary School
407 Trimble Rd, Joppatowne, MD 21085
PK-50.8 mi
Magnolia Middle School
299 Fort Hoyle Rd, Joppatowne, MD 21085
6-81.6 mi
Joppatowne High School
555 Joppa Farm Rd, Joppatowne, MD 21085
9-120.6 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 109 Breakwater Ct Get Price Alerts and Save Property

Date
Details
Price
Change
Source
7/03/2026
Listed
$349,900
524.82%
MLS
4/30/1997
Sold
$56,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 109 Breakwater Ct

Year
Property Taxes
Change
Tax Assessment
Change
2025
$1,951
4%
$188,900
6%
2022
$1,867
—
$179,000
2%
2022
$1,867
-2%
$175,167
2%
2021
$1,909
-1%
$171,333
2%
2020
$1,933
-5%
$167,500
-6%
2019
$2,029
4%
$177,400
4%
2018
$1,951
4%
$170,567
4%
2017
$1,872
4%
$163,733
4%
2016
$1,794
-2%
$156,900
—
2015
$1,823
1%
$156,900
—
2014
$1,807
—
$156,900
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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Listed by Steen Properties, Margaret M Steen

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109 Breakwater Court, Joppa, MD 21085 (MLS# MDHR2057108) is a Single Family property with 2 bedrooms, 1 full bathroom and 1 partial bathroom. 109 Breakwater Court is currently listed for $349,900 and was received on July 03, 2026. Want to learn more about 109 Breakwater Court? Do you have questions about finding other Single Family real estate for sale in Joppa? You can browse all Joppa real estate or contact a Coldwell Banker agent to request more information.

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