412 Spry Island Rd, Joppa, MD 21085 Property Records

Harford County property record for 412 Spry Island Rd, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,200 sqft · built 2002
Lot Size	0.259 acres (11,282 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Apr 2018)
Tax Bill	$4,688 (2026)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-334174`

Property Details

APN / Parcel Number

Primary APN	`01-334174`
Alternative APNs	`1334174` `334174`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,200 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 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	11,282 sqft (0.259 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	340 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	334174
Street Address	412 SPRY ISLAND RD
City	JOPPA
State	MD
Zip	21085-5436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1COS
Legal Description	LOT 87 11282 SF 412 SPRY ISLAND ROAD GUNPOWDER PT 103/93
Legal Subdivision	GUNPOWDER
Legal Lot Number	87
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2008
Census Tract	301301

Owner

412 Spry Island Rd is owned and occupied by an individual who bought it in April 2018.

Source: Harford County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	412 SPRY ISLAND RD, JOPPA, MD 21085-5436
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2018 · Amount on File
Deed Sale	Apr 3, 2018 · Amount on File
Prior Sale	Jun 24, 2002 · Amount on File
Deed Book / Page	12760 / 368
Record Updated	Oct 29, 2026

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Apr 3, 2018
Property Address	412 SPRY ISLAND RD, JOPPA, MD 21085-5436
Document Number	0127600368
Book / Page	12760 / 0368
Map Reference	MB CGH103 PL93
Instrument Date	Mar 23, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	KEY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,825.00
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
Address	412 SPRY ISLAND RD, JOPPA, MD 21085-5436

Mortgage

Document Number	0012760376
Date	Apr 3, 2018
Instrument	12760/376

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 412 Spry Island Rd was $4,688, up 11.9% from the year before.

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	$4,688.00 (+11.91%)	$430,200	$453,100 Land $98,400 Building $354,700
2025	$4,189.00
2023		$370,167	$384,400 Land $98,400 Building $286,000
2022	$3,879.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 412 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	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

Wildfire risk around 412 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	None beyond ember reach

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