345 Spruce Pine Rd, Abingdon, MD 21009 Property Records

Harford County property record for 345 Spruce Pine Rd, Abingdon, MD 21009

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,568 sqft · built 2018
Lot Size	0.059 acres (2,591 sqft)
Owner	2 Individual Names on Record
Last Sale	$454,294 (Jun 2018)
Tax Bill	$5,151 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-398896`

Property Details

APN / Parcel Number

Primary APN	`01-398896`
Alternative APN	`398896`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,568 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	2,591 sqft (0.059 acres)
Garage Type	Basement
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Deck Area	108 sqft
Balcony Area	960 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	398896
Street Address	345 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 137 2591 SF 345 SPRUCE PINE ROAD LAUREL RIDGE 144/15
Legal Subdivision	LAUREL RDG
Legal Lot Number	137
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 18, 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	345 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	Jun 15, 2018 · Amount on Record
Deed Sale	Jun 15, 2018 · Amount on Record
Deed Book / Page	12860 / 465
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	345 SPRUCE PINE RD, ABINGDON, MD 21009-2739
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0149420479
Date	Aug 5, 2021
Book Page	14942/479

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company
Address	LEAWOOD, KS 66211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

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		$537,500 (+19.58%) Land $115,000 Building $422,500	$537,500 (+19.58%) Land $115,000 Building $422,500
2025	$5,151.00 (+6.38%) Homeowner's exemption
2023		$449,500 Land $115,000 Building $334,500	$449,500 Land $115,000 Building $334,500
2022	$4,842.00

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