Harford County property record for 307 Spry Island Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,872 sqft · built 2001 |
| Lot Size | 0.195 acres (8,494 sqft) |
| Owner | Individual Name on File |
| Last Sale | $442,000 (Aug 2021) |
| Tax Bill | $4,668 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-320882 |
| Primary APN | 01-320882 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Total Area |
| Basement Area | 825 sqft |
| Finished Basement | 825 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,494 sqft (0.195 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 312 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 320882 |
|---|---|
| Street Address | 307 SPRY ISLAND RD |
| City | JOPPA |
| State | MD |
| Zip | 21085-5425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1COS |
| Legal Description | LOT 267 8494 SF 307 SPRY ISLAND ROAD GUNPOWDER S2 P 96/16 |
| Legal Subdivision | GUNPOWDER 1 PH 1 |
| Legal Lot Number | 267 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 301301 |
307 Spry Island Rd is owned and occupied by an individual who bought it in August 2021.
Source: Harford County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 307 SPRY ISLAND RD, JOPPA, MD 21085-5425 |
| 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.
| Date | Document |
|---|---|
| Jul 1, 2026 | Deed of Trust, Mortgage · Line of Credit STATE EMP CREDIT UNION/MD |
| Aug 3, 2021 | Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 3, 2021 · Amount on File |
| Deed Sale | Aug 3, 2021 · Amount on File |
| Prior Sale | Jun 25, 2001 · Amount on File |
| Deed Book / Page | 14936 / 164 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jul 1, 2026 |
| Property Address | 307 SPRY ISLAND RD, JOPPA, MD 21085-5425 |
| Document Number | 1719000488 |
| Book / Page | 17195 / 488 |
| Instrument Date | Jun 25, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2026 |
| Title Company | SECU TITLE SERVICES LLC, SECU TITLE |
| Name | Verified Name |
|---|---|
| Address | 307 SPRY ISLAND RD, JOPPA, MD 21085-5425 |
| Document Number | 1719000488, |
|---|---|
| Date | Jul 1, 2026 |
| Book Page | 17195/488 |
| Name | STATE EMP CREDIT UNION/MD |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Aug 3, 2021 |
| Property Address | 307 SPRY ISLAND RD, JOPPA, MD 21085-5425 |
| Document Number | 0149360164 |
| Book / Page | 14936 / 164 |
| Map Reference | MB CGH NO 96 FO 96 |
| Instrument Date | Jul 15, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | BLACK OAK TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 2202 PALUSTRIS LN, ABINGDON, MD 21009-3051 |
| Document Number | 0014936170 |
|---|---|
| Date | Aug 3, 2021 |
| Instrument | 14936/170 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
The 2026 property tax bill for 307 Spry Island Rd was $4,668, up 11.1% 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 | $4,668.00 (+11.12%) | $428,300 (+5.26%) | $449,700 (-) Land $98,100 Building $351,600 |
| 2025 | $4,201.00 | $406,900 | $449,700 Land $98,100 Building $351,600 |
| 2023 | $351,700 | $385,500 Land $98,100 Building $287,400 | |
| 2022 | $3,464.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 307 Spry Island Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.
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 |
|---|---|
| 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 307 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 156 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures