219 Spry Island Rd, Joppa, MD 21085 Property Records

Harford County property record for 219 Spry Island Rd, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,768 sqft · built 2003
Lot Size	0.206 acres (8,973 sqft)
Owner	2 Individual Names on File
Last Sale	$296,000 (Feb 2004)
Tax Bill	$4,006 (2026)
Deeds & Mortgages	Jul 2017 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-338072`

Property Details

APN / Parcel Number

Primary APN	`01-338072`
Alternative APN	`338072`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,768 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 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	8,973 sqft (0.206 acres)
Garage Type	Attached
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces
Deck Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	338072
Street Address	219 SPRY ISLAND RD
City	JOPPA
State	MD
Zip	21085-5433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1COS
Legal Description	LOT 253 8973 SF 219 SPRY ISLAND ROAD GUNPOWDER PT 107/60
Legal Subdivision	GUNPOWDER
Legal Lot Number	253
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2008
Census Tract	301301

Owner

219 Spry Island Rd is owned and occupied by two individuals who bought it in February 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	219 SPRY ISLAND RD, JOPPA, MD 21085-5433
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
Jul 14, 2017	Deed of Trust, Mortgage · Line of Credit CAPITAL ONE NA
Dec 10, 2021	Deed of Trust, Mortgage · Commercial Mortgage POINT BREEZE CU
Dec 10, 2021	Deed of Trust, Mortgage · Line of Credit POINT BREEZE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2004 · Amount on File
Deed Sale	Feb 12, 2004 · Amount on File
Prior Sale	Apr 3, 2003 · Amount on File
Deed Document Number	20042414
Deed Book / Page	5147 / 192
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	219 SPRY ISLAND RD, JOPPA, MD 21085-5433
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0124270131
Date	Jul 14, 2017
Book Page	12427/0131
Instrument	12427-0131

Lender

Name	CAPITAL ONE NA
Type	Bank
Address	PLANO, TX 75024

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Jun 21, 2022

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	219 SPRY ISLAND RD, JOPPA, MD 21085-5433
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152430126
Date	Dec 10, 2021
Book Page	15243/126

Lender

Name	POINT BREEZE CU
Type	Credit Union
Address	HUNT VALLEY, MD 21031

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	219 SPRY ISLAND RD, JOPPA, MD 21085-5433
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152430148
Date	Dec 10, 2021
Book Page	15243/148

Lender

Name	POINT BREEZE CU
Type	Credit Union
Address	HUNT VALLEY, MD 21031

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 219 Spry Island Rd was $4,006 with a homeowner's exemption, up 11.2% 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	$4,006.00 (+11.25%) Homeowner's exemption	$367,600	$386,200 Land $98,100 Building $288,100
2025	$3,601.00 Homeowner's exemption
2023		$318,833	$330,400 Land $98,100 Building $232,300
2022	$3,348.00

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

Flood

FEMA maps place 219 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 219 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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