206 Spry Island Rd, Joppa, MD 21085 Property Records

Harford County property record for 206 Spry Island Rd, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,336 sqft · built 2003
Lot Size	0.198 acres (8,624 sqft)
Owner	2 Individual Names on File
Last Sale	$565,000 (Mar 2023)
Tax Bill	$5,243 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-338323`

Property Details

APN / Parcel Number

Primary APN	`01-338323`
Alternative APN	`338323`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,336 sqft Total Area
Basement Area	980 sqft
Finished Basement	980 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,624 sqft (0.198 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	338323
Street Address	206 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 134 8624 SF 206 SPRY ISLAND ROAD GUNPOWDER PT 107/62
Legal Subdivision	FINAL PLAT THREE PHASE III GUNPOWDER
Legal Lot Number	134
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2010
Census Tract	301301

Owner

206 Spry Island Rd is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	206 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

Date	Document
Mar 29, 2023	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 4, 2022	Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE
Dec 20, 2019	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 8, 2017	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2023 · Amount on File
Deed Sale	Mar 29, 2023 · Amount on File
Prior Sale	Aug 4, 2022 · Amount on File
Deed Book / Page	15860 / 319
Record Updated	Oct 29, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Mar 29, 2023
Property Address	206 SPRY ISLAND RD, JOPPA, MD 21085-5423
Document Number	0158600319
Book / Page	15860 / 319
Map Reference	MB 107 PG 62
Instrument Date	Mar 3, 2023
Transaction Type	Transfer
Record Updated	Apr 24, 2023
Title Company	EVEREST TITLE GROUP LLC, EVEREST SETTLEMENT GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,412.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	206 SPRY ISLAND RD, JOPPA, MD 21085-5423

Mortgage

Document Number	0158600326
Date	Mar 29, 2023
Instrument	15860-0326

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 4, 2022
Property Address	206 SPRY ISLAND RD, JOPPA, MD 21085-5423
Document Number	0156190334
Book / Page	15619 / 334
Map Reference	MB 107 PG 62
Instrument Date	Jul 29, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	RE TITLE SERVICES LLC, RAVEN TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	Tenants by the Entirety
Address	206 SPRY ISLAND RD, JOPPA, MD 21085-5423

Mortgage

Document Number	0156190341
Date	Aug 4, 2022
Instrument	15619-0341

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Dec 20, 2019
Property Address	206 SPRY ISLAND RD, JOPPA, MD 21085-5423
Document Number	0136050001
Book / Page	13605 / 0001
Map Reference	MB 107 PG 62
Instrument Date	Dec 13, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	MASTERS TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	Tenants in Severalty
Address	206 SPRY ISLAND RD, JOPPA, MD 21085-5423

Mortgage

Document Number	0000136057
Date	Dec 20, 2019
Instrument	13605/7

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	206 SPRY ISLAND RD, JOPPA, MD 21085-5423
Document Number	0124760228
Book / Page	012476 / 000228
Instrument Date	Aug 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	206 SPRY ISLAND RD JOPPA MD 210855423, JOPPA, MD 21085-5423

Mortgage

Document Number	0124760228
Date	Aug 18, 2017
Book Page	012476/000228

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 206 Spry Island Rd was $5,243, up 19.7% 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	$5,243.00 (+19.73%)	$481,133	$520,800 Land $98,100 Building $422,700
2025	$4,379.00
2023		$383,933	$401,800 Land $98,100 Building $303,700
2022	$3,989.00

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

Flood

FEMA maps place 206 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 206 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.

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