109 Breakwater Ct, Joppa, MD, 21085
About This Home
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.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Good
- Year built: 1984
Materials
- Foundation: Block
- Roof: Asphalt,Shingle
- Construction materials: Brick Front,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Dryer,Disposal,Refrigerator,Cooktop,Washer,Electric Water Heater
Basement
- Area: 0
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Ceiling Fan(s),Open Floorplan,Walk-In Closet(s),Dining Area,Cathedral Ceiling(s)
- Window features: Skylight(s)
- Flooring: Carpet,Hardwood
- Number of fireplaces: 1
- Fireplace features: Wood Burning
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,360
Heating & Cooling
- Heating features: Heat Pump,Electric
- Cooling features: Central Air,Ceiling Fan(s),Electric
Interior Area
- Total structure area: 1,360
- Total interior livable area: 1,360 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 1301141457
- Attached to another structure: Yes
- Zoning: R3
- Special condition: Standard
Features
- Levels: Split Foyer,Two
- Stories: 2
- Pool features: None
- Patio & porch: Deck,Patio
- Fencing: Full
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Canal
- Waterbody name: Gunpowder
Lot
- Lot size: 5,134 sqft
- Features: No Thru Street
- Lot size dimensions: 34.00 x
Parking
- Total spaces: 6
- Parking features: Concrete,Driveway,Off Street
- Has uncovered spaces: Yes
- Uncovered spaces: 4
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Heat Wave
- Lightning
- Winter Weather
- Cold Wave
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,718 | $20,616 |
| Home Insurance * | $118 | $1,416 |
| Property Taxes | $305 | $3,660 |
| Electricity | $281 | $3,374 |
| Total | $2,422 | $29,064 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-31 | Price change | $339,900 |
| 2026-07-03 | Listed for sale | $349,900 |
| 2019-08-14 | Listing removed | $1,450 |
| 2019-07-02 | Price change | $1,450 |
| 2019-06-18 | Listed for rent | $1,525 |
| 2015-04-27 | Listing removed | $1,450 |
| 2015-03-28 | Listed for rent | $1,450 |
| 1997-04-30 | Sold | $112,000 |
| 1996-01-05 | Sold | $106,900 |
| 1994-06-06 | Sold | $90,000 |
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