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35 Neptune Dr , Joppa, MD 21085
$649,000
Est. Payment: $3,454.25/mo
4 Bed
3 Bath
2588 Sqft
0.26 Acres
Status: active under contract | Days on site: 138
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MONUM6 - 3350053,3309477
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House Description

Welcome to 35 Neptune Drive, a stunning 4 bedroom, 3 bathroom home on Rumsey Island with an expansive waterfront. Surrounded by beautiful water views and outdoor living spaces, this property offers an opportunity to enjoy the beauty, tranquility, and lifestyle that life on the water provides. Outdoor living is a highlight of this home. Step outside onto the patio, which opens to a spacious backyard and leads to a large waterfront deck overlooking the water. Continue down to your private dock, complete with a boat lift, offering direct access for boating, fishing, kayaking, or simply relaxing while taking in the views. The terraced hillside leading to the pier adds to the property's waterfront setting. Inside, spacious living areas and abundant natural light create a welcoming atmosphere throughout the home. The primary suite includes a private sunroom overlooking the water, while a second sunroom on the main level provides additional space to relax and enjoy the scenery. The home has also benefited from several significant improvements, including a new roof in 2025, a new main HVAC system in 2024 with high efficiency natural gas heating, and a new sewer line in 2025 extending from beneath the home to the street. Additional features include 200 amp electrical service and an attached garage. Located on Rumsey Island, where the Big and Little Gunpowder Falls meet, residents enjoy a community known for its scenic surroundings and waterfront atmosphere. Whether you're spending the day on the water, entertaining guests on the deck, or enjoying a quiet evening watching the sunset from your backyard, 35 Neptune Drive offers a rare opportunity to enjoy waterfront living on Rumsey Island.

Highlights

Listed by Christopher John Blizzard , 4437430856 and Janice Bumbry , 4105049670 Monument Sotheby's International Realty , 4439063840. Bright MLS

Property Type

Residential

Lot/Acreage
0.26

Year Built

1974

County

Harford

Neighborhood

Rumsey Island

School District

Harford County Public Schools

Listing ID

MDHR2055996

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Built-In Microwave, Dishwasher, Disposal, Dryer, Dryer - Electric, Dryer - Front Loading, Exhaust Fan, Extra Refrigerator/Freezer, Oven/Range - Electric, Refrigerator, Stainless Steel Appliances, Washer, Water Heater
Air Cond:Ceiling Fan(s),Central A/C,Heat Pump(s)
Fireplaces:
Floor:Carpet,Ceramic Tile,Hardwood,Laminated,Partially Carpeted,Solid Hardwood,Wood
Above Ground Sq Ft:2588
Other:
  • ▪ Additional:Attic, Built-Ins, Carpet, Ceiling Fan(s), Combination Dining/Living, Combination Kitchen/Dining, Dining Area, Entry Level Bedroom, Family Room Off Kitchen, Floor Plan - Traditional, Pantry, Primary Bath(s), Primary Bedroom - Bay Front, Recessed Lighting, Bathroom - Stall Shower, Bathroom - Tub Shower, Upgraded Countertops, Walk-in Closet(s), Window Treatments, Wood Floors, Cats OK, Dogs OK, Pets Allowed
Water:Public

Exterior Features

Lot:Bulkheaded,Fishing Available,Landscaping,Level,Rear Yard,Front Yard,Not New Construction,Horse Property: No,Waterfront
Garage Capacity:1
Zoning:R3
Roof:Architectural Shingle
Others:
  • ▪ Additional:Sidewalks, Street Lights, Exterior Lighting
Sewer:Public Sewer
Parking Features:Concrete Driveway,Free,Private,Garage - Front Entry,Inside Access,Attached Garage,Driveway,Off Site,On Street,1+ Spaces
Principal Interest
$3,454
Taxes
$387

Home Price

$649,000

Loan Details

30 yrs
7%

Down Payment

20%
$129,800
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:
$3,454.25

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,454.25 $387.10 $0.00 $3,841.35
Yearly $41,451.01 $4,645.15 $0.00 $46,096.16
Total $1,243,530.20 $139,354.50 $0.00 $1,382,884.70
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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.

IDX service by Blueroof 360

Data last updated: 2026-11-13T23:12:42.000Z

© 2026 Bright MLS