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$670,000
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Property Description
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!
Full Property Details
Full Property Details for 20 Neptune Dr
General
- Sold For: $670,000
- Taxes: $4,138 (2024)
- Status: Closed
- Type: Single Family
- Source: BrightMLSMidAtlantic
- MLS ID: MDHR2047030
- Added to Site: 127 day(s) ago
Interior
- Rooms/Areas: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Kitchen, Family Room, Foyer, Laundry, Primary Bathroom, Full Bath
- Interior Features: 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, Bathroom - Tub Shower, Bathroom - Walk-In Shower, Ceiling Fan(s)
- Appliances: Dishwasher, Disposal, Dryer, Exhaust Fan, Microwave, Oven/Range - Gas, Range Hood, Refrigerator, Six Burner Stove, Washer
- Flooring: Carpet, Ceramic Tile, Hardwood
Rooms
Bathrooms
- Total Bathrooms: 3
- Full Bathrooms: 2
- Half Bathrooms: 1
- Upper Floor Baths: 2
- Upper - Full Baths: 2
- Main Floor Baths: 1
- Main - 1/2 Baths: 1
Bedrooms
- Total Bedrooms: 3
- Bedrooms Upper: 3
Other Rooms
- Laundry: Main Floor
Additional Information
- Pool: Yes
- Private Pool: Yes
- Pool Description: Fenced, In Ground, Pool/Spa Combo, Saltwater
Exterior
- Exterior Features: Extensive Hardscape, Flood Lights, Hot Tub, Sidewalks, Water Falls, Water Fountains
- Porch/Patio/Deck: Balconies- Multiple, Balcony, Patio(s)
Parking
- Garage: Yes
- Garage Spaces: 1
- Total Spaces: 3
- Parking Features: Concrete Driveway
- Parking Type: Off Street, Attached Garage
- Garage Description: Garage Door Opener, Garage - Front Entry, Inside Access
Location
- County: HARFORD
- Subdivision: RUMSEY ISLAND
- Driving Directions: Joppa Farm Road to Shore to Bridge to Old Sound to Neptune
- Location Details: River
School Information
- School District: Harford County Public Schools
Heating & Cooling
- Central air: Yes
- Cooling Type: Ceiling Fan(s), Central A/C
- Cooling Fuel: Electric
- Heating Type: Forced Air, Radiant
- Heating Fuel: Natural Gas
- Water Heater: Natural Gas
Utilities
- Sewer: Public Sewer
- Water: Public
- Dist. to Water: 1 Feet
Structural Information
- Architectural Style: Colonial
- Structure Type: Detached
- Construction: Stone, Vinyl Siding
- Foundation: Active Radon Mitigation, Crawl Space, Slab
- Roof: Architectural Shingle
- Windows: Bay/Bow, Screens
- Doors: Six Panel, Sliding Glass
- Stories Description: Main, Upper 1
- Square Feet: 2,100
- Sq. Ft. Source: Assessor
- Living Area: 2,100 Sq. Ft.
- Finished Above Grnd: 2,100 Sq. Ft.
- Year Built: 1971
- Year Built Source: Assessor
- Property Condition: Very Good
Additional Structures
- Other Structures: Shed, Greenhouse
Lot Features
- Property View: Water
- Lot Size (Acres): 0.37
- Lot Size (Sq. Ft.): 16,097
- Lot Size Source: Assessor
- Zoning: R3
- Lot Description: Cul-de-sac, Landscaping, Premium, No Thru Street, Rip-Rapped, Trees/Wooded, Fishing Available, Tidal Wetland
- Fencing (Description): Decorative, Rear, Wrought Iron
Water Features
- Water Front: Yes
- Water View: Yes
- Navigable Water: Yes
- Water Access: Yes
- Water Access Desc: Boat - Powered, Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC)
- Water Front Type: River
- Water Front Name: OFF GUNPOWDER RIVER
- Dock/Slip Conveys: Yes
- Docks: 1
- Power Boats: 2
- Non-Power Boats: 2
Green Features
- Energy Generation: PV Solar Array(s) Owned
- Indoor Air Quality: Ventilation
Financial Considerations
- Price Per Sq. Ft.: $321.43
- Assessment Year: 2025
- County Tax: $4,138
- County Tax Freq: Annually
- Tax w/Assessment: $399,200
- Tax Amount: $4,138
- Tax Year: 2024
- Terms: Standard Sale
- Tax Total Finished Sq. Ft.: 2100
Disclosures and Reports
- Ownership: Fee Simple
- Inclusions: gazebo at dock, table set at dock, kayak launch, greenhouse, garage shelving, pool equipment and supplies
- Lot Number: 22
Listed by EXP Realty, LLC, Teal Clise
Sold by Compass, Bryan G Schafer
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Schools
Schools serving 20 Neptune Dr
School District:Harford County Public Schools
| Name | Grades | Distance |
|---|---|---|
Joppatowne Elementary School 407 Trimble Rd, Joppatowne, MD 21085 | PK-5 | 1.2 mi |
Magnolia Middle School 299 Fort Hoyle Rd, Joppatowne, MD 21085 | 6-8 | 1.6 mi |
Joppatowne High School 555 Joppa Farm Rd, Joppatowne, MD 21085 | 9-12 | 0.8 mi |
Disclaimer:
School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 20 Neptune Dr
Date
Details
Price
Change
Source
12/30/2025
Sold
$670,000
-0.74%
MLS
10/20/2025
Price Reduced
$675,000
-2.16%
MLS
10/10/2025
Price Reduced
$689,900
-1.43%
MLS
9/11/2025
Listed
$699,900
—
MLS
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
20 Neptune Drive, Joppa, MD 21085 (MLS# MDHR2047030) is a Single Family property that was sold at $670,000 on December 30, 2025. Want to learn more about 20 Neptune Drive? 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.

