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109 Breakwater Ct , Joppa, MD 21085
$299,999
Est. Payment: $1,647.32/mo
2 Bed
2 Bath
1360 Sqft
0.12 Acres
Status: active | Days on site: 120
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STPR1 - 28880
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from IDX Support, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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House Description

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.
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Highlights

Listed by Margaret M Steen , 4106798336 Steen Properties , 4106798336. Bright MLS

Property Type

Residential
Lot/Acreage
0.12

Year Built

1984

County

Harford

 Neighborhood

Rumsey Island

 School District

Harford County Public Schools

Listing ID

MDHR2057108

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:1
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In Microwave, Dryer, Disposal, Refrigerator, Stove, Washer
Air Cond:Central A/C,Ceiling Fan(s)
Fireplaces:Wood,1 Fireplace
Floor:Carpet,Hardwood
Above Ground Sq Ft:1360
Other:
  • ▪ Additional:Carpet, Ceiling Fan(s), Floor Plan - Open, Skylight(s), Walk-in Closet(s), Dining Area
Water:Public

Exterior Features

Lot:No Thru Street,Not New Construction,Horse Property: No
Lot Dimensions:34.00 x
Garage Capacity:6
Zoning:R3
Roof:Asphalt,Shingle
Others:
  • ▪ Additional:Good
Sewer:Public Sewer
Parking Features:Concrete Driveway,Driveway,Off Street,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$1,647
Taxes
$172

Home Price

$299,999

Loan Details

30 yrs
7.312%

Down Payment

20%
$60,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$1,647.32

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,647.32 $171.58 $0.00 $1,818.91
Yearly $19,767.87 $2,059.00 $0.00 $21,826.87
Total $593,036.06 $61,770.00 $0.00 $654,806.06
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Joppa, MD).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

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Data last updated: 2026-11-14T03:13:49.000Z

© 2026 Bright MLS