100 Spry Island Rd, Joppa, MD 21085 Property Records

Harford County property record for 100 Spry Island Rd, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,000 sqft · built 2005
Lot Size	0.269 acres (11,717 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Dec 2008)
Tax Bill	$5,221 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-338595`

Property Details

APN / Parcel Number

Primary APN	`01-338595`
Alternative APN	`338595`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,000 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,717 sqft (0.269 acres)
Garage Type	Built-in
Garage Area	880 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	338595
Street Address	100 SPRY ISLAND RD
City	JOPPA
State	MD
Zip	21085-5439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1COS
Legal Description	LOT 229 11717 SF 100 SPRY ISLAND ROAD GUNPOWDER PT 107/63
Legal Subdivision	GUNPOWDER
Legal Lot Number	229
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2008
Census Tract	301301

Owner

100 Spry Island Rd is owned and occupied by an individual who bought it in December 2008.

Source: Harford County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	100 SPRY ISLAND RD, JOPPA, MD 21085-5439
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed, Transfer · Conventional Mortgage CHACO CREDIT UNION
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2008 · Amount on File
Deed Sale	Dec 17, 2008 · Amount on File
Prior Sale	Dec 17, 2008 · Amount on File
Deed Document Number	2008949
Deed Book / Page	8003 / 611
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 16, 2026
Property Address	100 SPRY ISLAND RD, JOPPA, MD 21085-5439
Document Number	1716000393
Book / Page	17168 / 393
Instrument Date	Jun 10, 2026
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	100 SPRY ISLAND RD, JOPPA, MD 21085-5439

Mortgage

Document Number	1716000398,
Date	Jun 16, 2026
Book Page	17168/398

Lender

Name	CHACO CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	100 SPRY ISLAND RD, JOPPA, MD 21085-5439
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0139150233
Date	Jun 15, 2020
Book Page	13915/233

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 100 Spry Island Rd was $5,221 with a homeowner's exemption, up 12.3% from the year before.

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,221.00 (+12.33%) Homeowner's exemption	$479,100 (+5.81%)	$505,400 (-) Land $98,400 Building $407,000
2025	$4,648.00 Homeowner's exemption	$452,800	$505,400 Land $98,400 Building $407,000
2023		$410,167	$426,500 Land $98,400 Building $328,100
2022	$4,292.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 100 Spry Island Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	8 (1978–2022)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Aug 2022 · rainfall accumulation
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 100 Spry Island Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARFORD COUNTY D.P.W. serves 104,567 people · EPA ID MD0120016
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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