Harford County property record for 108 Spry Island Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,600 sqft · built 2004 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $412,800 (Dec 2005) |
| Tax Bill | $4,783 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-338552 |
| Primary APN | 01-338552 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,600 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Garage Type | Mixed |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 480 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 338552 |
|---|---|
| Street Address | 108 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 225 10018 SF 108 SPRY ISLAND ROAD GUNPOWDER PT 107/63 |
| Legal Subdivision | GUNPOWDER |
| Legal Lot Number | 225 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 301301 |
108 Spry Island Rd is owned and occupied by two individuals who bought it in December 2005.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 108 SPRY ISLAND RD, JOPPA, MD 21085-5439 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2005 · Amount on File |
| Deed Sale | Dec 1, 2005 · Amount on File |
| Deed Document Number | 20051677 |
| Deed Book / Page | 6438 / 612 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 108 Spry Island Rd was $4,783, up 12% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,783.00 (+11.99%) | $438,900 | $462,400 Land $98,300 Building $364,100 |
| 2025 | $4,271.00 | ||
| 2023 | $377,267 | $391,900 Land $98,300 Building $293,600 | |
| 2022 | $3,952.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 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 |
|
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 risk around 108 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.
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 |
| 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.
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.
5G and 4G LTE (outdoors only)
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