344 Spruce Pine Rd, Abingdon, MD 21009 Property Records

Harford County property record for 344 Spruce Pine Rd, Abingdon, MD 21009

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,582 sqft · built 2018
Lot Size	0.06 acres (2,597 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,557 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-398909`

Property Details

APN / Parcel Number

Primary APN	`01-398909`
Alternative APN	`398909`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,582 sqft Total Area
Basement Area	550 sqft
Finished Basement	550 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,597 sqft (0.06 acres)
Garage Type	Mixed
Garage Area	542 sqft
Parking Spaces	2 Parking Spaces
Deck Area	170 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	398909
Street Address	344 SPRUCE PINE RD
City	ABINGDON
State	MD
Zip	21009-2741
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R1COS
Legal Description	LOT 150 2597 SF 344 SPRUCE PINE ROAD LAUREL RIDGE 144/15
Legal Subdivision	PLAT FOUR LAUREL RIDGE
Legal Lot Number	150
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	3
Census Block	3000
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	344 SPRUCE PINE RD, ABINGDON, MD 21009-2741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Nov 15, 2023	Intrafamily Transfer, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE MANAGEMENT LLC
Dec 13, 2018	Grant Deed, Transfer · Conventional with PMI PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2023
Deed Sale	Nov 15, 2023
Prior Sale	Dec 13, 2018 · Amount on Record
Deed Book / Page	16094 / 175
Prior Transfer Date	Jul 18, 2023
Prior Transfer Doc	0160940175
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Recording Date	Jul 27, 2026
Property Address	344 SPRUCE PINE RD, ABINGDON, MD 21009-2741
Document Number	1722000445
Book / Page	17222 / 445
Instrument Date	Jun 22, 2026
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 SPRUCE PINE RD, ABINGDON, MD 21009-2741

Mortgage

Document Number	1722000445,
Date	Jul 27, 2026
Book Page	17222/445

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Nov 1, 2054

Interest

Rate	6.51%
Max Rate	-1%

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	Nov 15, 2023
Property Address	344 SPRUCE PINE RD, ABINGDON, MD 21009-2741
Document Number	0160940175
Book / Page	16094 / 175
Map Reference	MB 144 FO 15
Instrument Date	Jul 18, 2023
Transaction Type	Transfer
Record Updated	Nov 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	344 SPRUCE PINE RD, ABINGDON, MD 21009-2741

Mortgage

Document Number	0160940180
Date	Nov 15, 2023
Instrument	16094-0180

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Aug 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	344 SPRUCE PINE RD, ABINGDON, MD 21009-2741
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	BLACK OAK TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 SPRUCE PINE RD, ABINGDON, MD 21009-2741

Mortgage

Document Number	0150810393
Date	Oct 6, 2021
Book Page	15081/393

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2036

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	344 SPRUCE PINE RD, ABINGDON, MD 21009-2741
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	FREESTATE TTL CONSULTANTS LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0136140195
Date	Dec 30, 2019
Book Page	13614/0195

Lender

Name	E MORTGAGE MANAGEMENT LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Oct 1, 2034

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Dec 13, 2018
Property Address	344 SPRUCE PINE RD, ABINGDON, MD 21009-2741
Document Number	0130910121
Book / Page	013091 / 000121
Instrument Date	Nov 28, 2018
Transaction Type	Transfer
Record Updated	Dec 27, 2018
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$404.63
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 SPRUCE PINE RD ABINGDON MD 210092741, ABINGDON, MD 21009-2741

Mortgage

Document Number	130910126
Date	Dec 13, 2018
Book Page	013091/000126

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Dec 12, 2033

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	$5,557.00 (+12.06%)	$509,900 (+5.69%) Land $115,000 Building $394,900	$509,900 (-) Land $115,000 Building $394,900
2025	$4,959.00 (+7.9%)	$482,467 (+12.83%)	$509,900 (+19.25%) Land $115,000 Building $394,900
2023		$427,600 Land $115,000 Building $312,600	$427,600 Land $115,000 Building $312,600
2022	$4,596.00

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

344 Spruce Pine Rd, Abingdon, MD 21009 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

July 2026: Deed of Trust, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2023: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2018: Grant 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 Spruce Pine Rd

Nearby Streets

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