309 Spruce Pine Rd, Abingdon, MD 21009 Property Records

Harford County property record for 309 Spruce Pine Rd, Abingdon, MD 21009

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,534 sqft · built 2016
Lot Size	0.083 acres (3,604 sqft)
Owner	2 Individual Names on Record
Last Sale	$438,000 (Mar 2021)
Tax Bill	$5,235 (2026)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-398846`

Property Details

APN / Parcel Number

Primary APN	`01-398846`
Alternative APN	`398846`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,534 sqft Total Area
Basement Area	550 sqft
Finished Basement	550 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,604 sqft (0.083 acres)
Garage Type	Mixed
Garage Area	542 sqft
Parking Spaces	2 Parking Spaces
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	398846
Street Address	309 SPRUCE PINE RD
City	ABINGDON
State	MD
Zip	21009-2739
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R1COS
Legal Description	LOT 119 3604 SF 309 SPRUCE PINE ROAD LAUREL RIDGE 144/14
Legal Subdivision	LAUREL RDG
Legal Lot Number	119
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	3
Census Block	3001
Census Tract	301108

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	309 SPRUCE PINE RD, ABINGDON, MD 21009-2739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2021 · Amount on Record
Deed Sale	Mar 5, 2021 · Amount on Record
Prior Sale	Dec 8, 2016 · Amount on Record
Deed Book / Page	14550 / 250
Record Updated	Oct 29, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Mar 5, 2021
Property Address	309 SPRUCE PINE RD, ABINGDON, MD 21009-2739
Document Number	0145500250
Book / Page	14550 / 250
Map Reference	MB 144 FO 14
Instrument Date	Jan 29, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	SANCTUARY TITLE, SANCTUARTY TITLE

Transaction

Amount	Amount Recorded
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 Common
Address	7545 BURCH RD, PORT TOBACCO, MD 20677-3059

Mortgage

Document Number	0014550257
Date	Mar 5, 2021
Instrument	14550/257

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2028
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	8.5%

Tax Assessment & Valuation

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	$5,235.00 (+10.61%)	$480,400 (+16.8%) Land $120,000 Building $360,400	$480,400 (+16.8%) Land $120,000 Building $360,400
2025	$4,733.00 (+6.77%)
2023		$411,300 Land $120,000 Building $291,300	$411,300 Land $120,000 Building $291,300
2022	$4,433.00

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

Flood

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	1 in force

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

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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880