20 NEPTUNE DR Active Save Request In-Person Tour Request Virtual Tour
Joppa,MD 21085
Key Details
Property Type Single Family Home
Sub Type Detached
Listing Status Active
Purchase Type For Sale
Square Footage 2,100 sqft
Price per Sqft $321
Subdivision Rumsey Island
MLS Listing ID MDHR2047030
Style Colonial
Bedrooms 3
Full Baths 2
Half Baths 1
Year Built 1971
Available Date 2025-09-12
Annual Tax Amount $4,138
Tax Year 2024
Lot Size 0.370 Acres
Property Sub-Type Detached
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!
Location
Province MD
County Harford
Zoning R3
Rooms
Other Rooms Living Room,Dining Room,Primary Bedroom,Bedroom 2,Bedroom 3,Kitchen,Family Room,Foyer,Laundry,Primary Bathroom,Full Bath
Interior
Hot Water Natural Gas
Heating Forced Air,Radiant
Cooling Ceiling Fan(s),Central A/C
Flooring Carpet,Ceramic Tile,Hardwood
Inclusions gazebo at dock, table set at dock, kayak launch, greenhouse, garage shelving, pool equipment and supplies
Equipment Dishwasher,Disposal,Dryer,Exhaust Fan,Microwave,Oven/Range - Gas,Range Hood,Refrigerator,Six Burner Stove,Washer
Laundry Main Floor
Exterior
Exterior Feature Balconies- Multiple,Balcony,Patio(s)
Parking Features Garage Door Opener,Garage - Front Entry,Inside Access
Garage Spaces 3.0
Fence Decorative,Rear,Wrought Iron
Pool Fenced,In Ground,Pool/Spa Combo,Saltwater
Waterfront Description Private Dock Site,Rip-Rap
Water Access Y
View Water
Roof Type Architectural Shingle
Building
Lot Description Cul-de-sac,Landscaping,Premium,No Thru Street,Rip-Rapped,Trees/Wooded,Fishing Available,Tidal Wetland
Story 2
Foundation Active Radon Mitigation,Crawl Space,Slab
Sewer Public Sewer
Water Public
New Construction N
Schools
School District Harford County Public Schools
Others
Acceptable Financing Cash,Conventional,FHA,VA
Listing Terms Cash,Conventional,FHA,VA
Special Listing Condition Standard