Change Real Estate Presents:

20 Neptune Drive
Joppa MD 21085

Sold for $670,000.00 Closed

Close Date: 2025-12-30

Joppa
3 bedrooms
3 bathrooms
2,100 build ft2
16,097 land ft2

About This Property

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!

Listing Agent: Teal Clise. EXP Realty, LLC 443-570-3931 teal@tealclise.com

Property Features

Location Information
County:
Subdivision: RUMSEY ISLAND
click to open map in a new window
Interior Features
Appliances: Dishwasher, Disposal, Dryer, Exhaust Fan, Microwave, Oven/Range - Gas, Range Hood, Refrigerator, Six Burner Stove, Washer
Interior: Attic, Breakfast Area, Dining Area, Upgraded Countertops, Wood Floors, WhirlPool/HotTub, Recessed Lighting, Floor Plan - Open, Primary Bath(s), Walk-in Closet(s), Bathroom - Jetted Tub, Bathroom - Stall Shower, Bathroom - Tub Shower, Bathroom - Walk-In Shower, Ceiling Fan(s)
Laundry:
Furnished: None
Flooring: Carpet, CeramicTile, Hardwood
Water: Public
Cooling: Ceiling Fan(s), Central A/C
Heating: Forced Air, Radiant
Fireplaces: None
Windows: Bay/Bow, Screens
Utilities:
Sewer: Public Sewer
Rooms
Room Type: Primary Bedroom
Dimensions: 16 X 16
Features: Flooring - HardWood
Level: Upper 1
Room Type: Primary Bathroom
Level: Upper 1
Room Type: Bedroom 2
Dimensions: 13 X 11
Features: Flooring - Carpet
Level: Upper 1
Room Type: Bedroom 3
Dimensions: 12 X 12
Features: Flooring - Carpet
Level: Upper 1
Room Type: Full Bath
Level: Upper 1
Room Type: Family Room
Dimensions: 17 X 13
Features: Flooring - Tile/Brick
Level: Main
Room Type: Kitchen
Dimensions: 13 X 8
Features: Flooring - Tile/Brick
Level: Main
Room Type: Living Room
Dimensions: 16 X 12
Features: Flooring - Carpet
Level: Main
Room Type: Dining Room
Dimensions: 12 X 12
Features: Flooring - Carpet
Level: Main
Room Type: Foyer
Dimensions: 12 X 8
Features: Flooring - Tile/Brick
Level: Main
Room Type: Laundry
Level: Main
Exterior Features
Year Built: 1971
Legal Subdivision: Joppatowne
Subdivision Name: Rumsey Island
Exterior Features: Extensive Hardscape, Flood Lights, Hot Tub, Sidewalks, Water Falls, Water Fountains
Parking: Concrete Driveway
Garage Spaces: 1.0
Schools
Elementary School: None
Junior High School: None
High School: None

IDXListing Courtesy of Teal Clise. EXP Realty, LLC 443-570-3931 teal@tealclise.com

Property Photos [Click to enlarge]

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