Harford County property record for 311 Spry Island Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,722 sqft · built 2001 |
| Lot Size | 0.201 acres (8,755 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,515 (Sep 2001) |
| Tax Bill | $4,908 (2026) |
| Deeds & Mortgages | Jul 2022 Line of Credit Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-321382 |
| Primary APN | 01-321382 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,722 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 | 8,755 sqft (0.201 acres) |
| Garage Type | Mixed |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 448 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 321382 |
|---|---|
| Street Address | 311 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 269 8755 SF 311 SPRY ISLAND ROAD GUNPOWDER S2 P 96/19 |
| Legal Subdivision | GUNPOWDER |
| Legal Lot Number | 269 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 301301 |
311 Spry Island Rd is owned and occupied by an individual who bought it in September 2001.
Source: Harford County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 311 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 6, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Nov 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Sep 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2001 · Amount on File |
| Deed Sale | Sep 18, 2001 · Amount on File |
| Deed Document Number | 2001668 |
| Deed Book / Page | 3666 / 469 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 311 SPRY ISLAND RD, JOPPA, MD 21085-5425 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 311 SPRY ISLAND RD, JOPPA, MD 21085-5425 |
| Document Number | 0155850482 |
|---|---|
| Date | Jul 6, 2022 |
| Book Page | 15585/482 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jun 14, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 311 SPRY ISLAND RD, JOPPA, MD 21085-5425 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0142800292 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 14280/292 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 311 SPRY ISLAND RD, JOPPA, MD 21085-5425 |
| Document Number | 0134480411 |
| Instrument Date | Sep 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2019 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Address | 311 SPRY ISLAND RD JOPPA MD 210855425, JOPPA, MD 21085-5425 |
| Document Number | 0134480411 |
|---|---|
| Date | Sep 18, 2019 |
| Book Page | 013448/000411 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 17, 2034 |
The 2026 property tax bill for 311 Spry Island Rd was $4,908, up 12.1% 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 | $4,908.00 (+12.08%) | $450,333 | $474,600 Land $98,100 Building $376,500 |
| 2025 | $4,379.00 | ||
| 2023 | $385,833 | $401,800 Land $98,100 Building $303,700 | |
| 2022 | $4,031.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 311 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 311 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 |
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