Patterson-Schwartz Real Estate20 Neptune Drive, Joppa, MD 21085-4520 $689,900
Interior Sq. Ft: 2,100
Acreage: 0.37
Age:54 years
Style:
Colonial
Subdivision: Rumsey Island
Design/Type:
Detached
Description
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. A new GAF Timberline® Lifetime Roof with Golden Pledge® Warranty is being installed this month, offering unmatched protection and peace of mind for decades to come. 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!
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
Living Room: 16 X 12 - Main
Dining Room: 12 X 12 - Main
Foyer: 12 X 8 - Main
Laundry: Main
Home Assoc: No
Condo Assoc: No
Basement: N
Pool: Yes - Personal
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, Radiant Heating, Natural Gas, Ceiling Fan(s), Central A/C, Electric, Hot Water - Natural Gas, Public Water, Public Sewer, Main Floor Laundry
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, In Ground Pool, Saltwater Pool, Pool/Spa Combo
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.
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
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Listing Courtesy of: EXP Realty, LLC , (888) 860-7369, md.broker@exprealty.net
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Information Deemed Reliable But Not Guaranteed.
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Listing data as of 10/18/2025.
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.
