202 Spry Island Rd, Joppa, MD 21085 Property Records

Harford County property record for 202 Spry Island Rd, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,268 sqft · built 2003
Lot Size	0.216 acres (9,408 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Jan 2018)
Tax Bill	$4,592 (2026)
Deeds & Mortgages	Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-338358`

Property Details

APN / Parcel Number

Primary APN	`01-338358`
Alternative APN	`338358`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,268 sqft Total Area
Basement Area	360 sqft
Finished Basement	360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,408 sqft (0.216 acres)
Garage Type	Mixed
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	304 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	338358
Street Address	202 SPRY ISLAND RD
City	JOPPA
State	MD
Zip	21085-5423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1COS
Legal Description	LOT 136 9408 SF 202 SPRY ISLAND ROAD GUNPOWDER PT 107/62
Legal Subdivision	GUNPOWDER 03 PH 03
Legal Lot Number	136
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2010
Census Tract	301301

Owner

202 Spry Island Rd is owned and occupied by an individual who bought it in January 2018.

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

Owner of Record	Individual Name on File
Mailing Address	202 SPRY ISLAND RD, JOPPA, MD 21085-5423
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2018 · Amount on File
Deed Sale	Jan 16, 2018 · Amount on File
Prior Sale	Sep 16, 2003 · Amount on File
Deed Document Number	201812672-0001
Deed Book / Page	12672 / 1
Record Updated	Oct 29, 2026

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Jan 16, 2018
Property Address	202 SPRY ISLAND RD, JOPPA, MD 21085-5423
Document Number	0126720001
Book / Page	012672 / 000001
Instrument Date	Nov 14, 2017
Transaction Type	Transfer
Record Updated	Feb 12, 2019
Title Company	SECURITY AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	202 SPRY ISLAND RD JOPPA MD 210855423, JOPPA, MD 21085-5423

Mortgage

Document Number	126720007
Date	Jan 16, 2018
Book Page	012672/000007

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 15, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 202 Spry Island Rd was $4,592, up 11.8% 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	$4,592.00 (+11.84%)	$421,400	$443,700 Land $98,200 Building $345,500
2025	$4,106.00
2023		$362,933	$376,800 Land $98,200 Building $278,600
2022	$3,804.00

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

Flood

FEMA maps place 202 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 202 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Nearby Properties on Spry Island Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures