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107 Spry Island Rd, Joppa, MD 21085 Property Records

Harford County property record for 107 Spry Island Rd, Joppa, MD 21085

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 2,018 sqft · built 2005
Lot Size0.252 acres (10,977 sqft)
OwnerIndividual Name on File
Last Sale$292,500 (Aug 2017)
Tax Bill$4,257 (2026)
Deeds & MortgagesAug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN01-338633

Property Details

APN / Parcel Number

Primary APN01-338633
Alternative APN
  • 338633

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,018 sqft Total Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area10,977 sqft (0.252 acres)
Garage TypeMixed
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area60 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Account Number338633
Street Address107 SPRY ISLAND RD
CityJOPPA
StateMD
Zip21085-5440
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1COS
Legal DescriptionLOT 233 10977 SF 107 SPRY ISLAND ROAD GUNPOWDER PT 107/63
Legal SubdivisionGUNPOWDER
Legal Lot Number233
JurisdictionHARFORD MD
Township / Civil Division1, ABINGDON
Census Block Group2
Census Block2008
Census Tract301301

Owner

107 Spry Island Rd is owned and occupied by an individual who bought it in August 2017.

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

Owner of RecordIndividual Name on File
Mailing Address107 SPRY ISLAND RD, JOPPA, MD 21085-5440
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 7, 2017 · Amount on File
Deed SaleAug 7, 2017 · Amount on File
Prior SaleAug 15, 2005 · Amount on File
Deed Document Number201712458-0013
Deed Book / Page12458 / 13
Record UpdatedOct 29, 2026

August 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionHARFORD MD
Recording DateAug 7, 2017
Property Address107 SPRY ISLAND RD, JOPPA, MD 21085-5440
Document Number0124580013
Book / Page012458 / 000013
Instrument DateJul 18, 2017
Transaction TypeTransfer
Record UpdatedAug 23, 2018
Title CompanyTURNKEY TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$292.50
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner
Address107 SPRY ISLAND RD JOPPA MD 210855440, JOPPA, MD 21085-5440

Mortgage

Document Number124580020
DateAug 7, 2017
Book Page012458/000020
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 6, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 107 Spry Island Rd was $4,257, up 11.6% from the year before.

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

Property Jurisdictions

TypeName
StateMaryland
CountyHarford County
Unified School DistrictHarford County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,257.00 (+11.56%)$390,600$410,800 Land $98,300 Building $312,500
2025$3,816.00
2023$337,633$350,200 Land $98,300 Building $251,900
2022$3,542.00

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

Flood

FEMA maps place 107 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims8 (1978–2022)
Claims Outside the SFHA3 of 8
Most Recent ClaimAug 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 107 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 RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemHARFORD COUNTY D.P.W.
serves 104,567 people · EPA ID MD0120016
Water SourceSurface water
Last State InspectionJul 2024
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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