Harford County property record for 308 Spry Island Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,323 sqft · built 2001 |
| Lot Size | 0.176 acres (7,666 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $49,000 (Feb 2001) |
| Tax Bill | $4,420 (2026) |
| Deeds & Mortgages | Nov 2023 Line of Credit May 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-320874 |
| Primary APN | 01-320874 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,323 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,666 sqft (0.176 acres) |
| Garage Type | Mixed |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 137 sqft |
| Deck Area | 336 sqft |
| Patio Area | 260 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 320874 |
|---|---|
| Street Address | 308 SPRY ISLAND RD |
| City | JOPPA |
| State | MD |
| Zip | 21085-5424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1COS |
| Legal Description | LOT 112 7666 SF 308 SPRY ISLAND ROAD GUNPOWDER S2 P 96/16 |
| Legal Subdivision | GUNPOWDER |
| Legal Lot Number | 112 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 301301 |
308 Spry Island Rd is owner-occupied and held in a trust since March 2017.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 308 SPRY ISLAND RD, JOPPA, MD 21085-5424 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
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 |
|---|---|
| Nov 27, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| May 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| May 5, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| May 5, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Mar 10, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 9, 2001 · Amount on File |
| Deed Sale | Feb 9, 2001 · Amount on File |
| Deed Document Number | 20011779 |
| Deed Book / Page | 3436 / 173 |
| Last Transfer Date | Mar 30, 2017 |
| Transfer Doc | 0123310452 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 308 SPRY ISLAND RD, JOPPA, MD 21085-5424 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0161020184 |
|---|---|
| Date | Nov 27, 2023 |
| Book Page | 16102/184 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 17, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 308 SPRY ISLAND RD, JOPPA, MD 21085-5424 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0147600253 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 14760/253 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Apr 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | May 5, 2017 |
| Property Address | 308 SPRY ISLAND RD, JOPPA, MD 21085-5424 |
| Document Number | 0123310452 |
| Book / Page | 012331 / 000452 |
| Instrument Date | Mar 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 308 SPRY ISLAND RD JOPPA MD 210855424, JOPPA, MD 21085-5424 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | May 5, 2017 |
| Property Address | 308 SPRY ISLAND RD, JOPPA, MD 21085-5424 |
| Document Number | 0123310457 |
| Book / Page | 012331 / 000457 |
| Instrument Date | Mar 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 308 SPRY ISLAND RD JOPPA MD 210855424, JOPPA, MD 21085-5424 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 308 SPRY ISLAND RD, JOPPA, MD 21085-5424 |
| Document Number | 0122830242 |
| Instrument Date | Mar 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Name | Verified Name |
|---|---|
| Address | 308 SPRY ISLAND RD JOPPA MD 210855424, JOPPA, MD 21085-5424 |
| Document Number | 0122830242 |
|---|---|
| Date | Mar 31, 2017 |
| Book Page | 012283/000242 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 30, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 308 Spry Island Rd was $4,420 with a homeowner's exemption, up 12.8% 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 | $4,420.00 (+12.84%) Homeowner's exemption | $405,600 | $428,700 Land $98,000 Building $330,700 |
| 2025 | $3,917.00 Homeowner's exemption | ||
| 2023 | $345,767 | $359,400 Land $98,000 Building $261,400 | |
| 2022 | $3,589.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 308 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 308 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