331 Spry Island Rd, Joppa, MD 21085 Property Records

Harford County property record for 331 Spry Island Rd, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,148 sqft · built 2002
Lot Size	0.211 acres (9,191 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,000 (Jun 2020)
Tax Bill	$4,915 (2026)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-333704`

Property Details

APN / Parcel Number

Primary APN	`01-333704`
Alternative APNs	`1333704` `333704`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,148 sqft Total Area
Basement Area	835 sqft
Finished Basement	835 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,191 sqft (0.211 acres)
Garage Type	Mixed
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	238 sqft
Patio Area	183 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	333704
Street Address	331 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 34 9191 SF 331 SPRY ISLAND ROAD GUNPOWDER PT 103/92
Legal Subdivision	GUNPOWDER
Legal Lot Number	34
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2008
Census Tract	301301

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	331 SPRY ISLAND RD, JOPPA, MD 21085-5425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2020	Deed, Transfer · VA Mortgage FIRST FEDERAL BANK
Mar 13, 2017	Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2020 · Amount on Record
Deed Sale	Jun 11, 2020 · Amount on Record
Prior Sale	Mar 13, 2017 · Amount on Record
Deed Book / Page	13906 / 312
Record Updated	Oct 29, 2026

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 11, 2020
Property Address	331 SPRY ISLAND RD, JOPPA, MD 21085-5425
Document Number	0139060312
Book / Page	13906 / 312
Map Reference	MB CGH103 PL 92
Instrument Date	May 29, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
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 by the Entirety
Address	331 SPRY ISLAND RD, JOPPA, MD 21085-5425

Mortgage

Document Number	0013906319
Date	Jun 11, 2020
Instrument	13906/319

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Mar 13, 2017
Property Address	331 SPRY ISLAND RD, JOPPA, MD 21085-5425
Document Number	0122610157
Book / Page	12261 / 0157
Map Reference	MB CGH103 PL92
Instrument Date	Feb 23, 2017
Instrument	12261-0157
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	UNIVERSAL 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	331 SPRY ISLAND RD, JOPPA, MD 21085-5425

Mortgage

Document Number	122610167
Date	Mar 13, 2017
Instrument	12261-0167

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

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	$4,915.00 (+12.16%) Homeowner's exemption	$450,967 (+17.08%)	$475,400 (+18.23%) Land $98,200 Building $377,200
2025	$4,382.00 (+9.2%) Homeowner's exemption
2023		$385,167	$402,100 Land $98,200 Building $303,900
2022	$4,013.00

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	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

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.

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 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

331 Spry Island Rd, Joppa, MD 21085 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2020: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2017: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Spry Island Rd

Nearby Streets

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