405 Spruce Pine Rd, Abingdon, MD 21009 Property Records

Harford County property record for 405 Spruce Pine Rd, Abingdon, MD 21009

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,981 sqft · built 2021
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$641,107 (Nov 2021)
Tax Bill	$6,207 (2025)
Deeds & Mortgages	Mar 2022 Transfer Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-398924`

Property Details

APN / Parcel Number

Primary APN	`01-398924`
Alternative APN	`398924`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,981 sqft Total Area
Basement Area	990 sqft
Finished Basement	990 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Mixed
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	276 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	398924
Street Address	405 SPRUCE PINE RD
City	ABINGDON
State	MD
Zip	21009-2770
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1COS
Legal Description	LOT 27 7492 SF 405 SPRUCE PINE ROAD LAUREL RIDGE 144/16
Legal Subdivision	LAUREL RDG
Legal Lot Number	27
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 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	405 SPRUCE PINE RD, ABINGDON, MD 21009-2770
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2022	Intrafamily Transfer, Transfer
Nov 9, 2021	Deed, Transfer · Conventional Mortgage TBI MORTGAGE CO
Mar 28, 2018	Loan Modification, Mortgage NORMAN B HOOKER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2021 · Amount on Record
Deed Sale	Nov 9, 2021 · Amount on Record
Deed Book / Page	15172 / 61
Last Transfer Date	Jan 30, 2022
Transfer Doc	0154030301
Record Updated	Sep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	Mar 9, 2022
Property Address	405 SPRUCE PINE RD, ABINGDON, MD 21009-2770
Document Number	0154030301
Book / Page	15403 / 301
Map Reference	MB 144 FO 16
Instrument Date	Jan 30, 2022
Transaction Type	Transfer
Record Updated	Sep 9, 2022

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
Address	405 SPRUCE PINE RD, ABINGDON, MD 21009-2770

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Nov 9, 2021
Property Address	405 SPRUCE PINE RD, ABINGDON, MD 21009-2770
Document Number	0151720061
Book / Page	15172 / 61
Map Reference	MB 14 FO 16
Instrument Date	Aug 27, 2021
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	UNIVERSAL 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	405 SPRUCE PINE RD, ABINGDON, MD 21009-2770

Mortgage

Document Number	0001517266
Date	Nov 9, 2021
Instrument	15172/66

Lender

Name	TBI MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Sep 1, 2036

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARFORD MD
Recording Date	Mar 28, 2018
Property Address	405 SPRUCE PINE RD, ABINGDON, MD 21009-2770
Document Number	0127530159
Book / Page	012753 / 000159
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Apr 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership

Mortgage

Document Number	127530159
Date	Mar 28, 2018
Book Page	012753/000159

Lender

Name	NORMAN B HOOKER

Agreement

Amount	Amount Recorded

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		$656,500 (+6.21%) Land $172,500 Building $484,000	$656,500 (-) Land $172,500 Building $484,000
2025	$6,207.00 (+5.22%) Homeowner's exemption	$618,100 (+14.19%)	$656,500 (+21.28%) Land $172,500 Building $484,000
2023		$541,300 Land $172,500 Building $368,800	$541,300 Land $172,500 Building $368,800
2022	$5,899.00

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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

Cell Coverage

5G (outdoors only) and 4G LTE

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