428 Spruce Pine Rd, Abingdon, MD 21009 Property Records

Harford County property record for 428 Spruce Pine Rd, Abingdon, MD 21009

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,143 sqft · built 2020
Lot Size	0.194 acres (8,450 sqft)
Owner	2 Individual Names on File
Last Sale	$575,895 (Jan 2021)
Tax Bill	$6,481 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jan 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-398965`

Property Details

APN / Parcel Number

Primary APN	`01-398965`
Alternative APN	`398965`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,143 sqft Total Area
Basement Area	1,100 sqft
Finished Basement	1,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,450 sqft (0.194 acres)
Garage Type	Built-in
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	398965
Street Address	428 SPRUCE PINE RD
City	ABINGDON
State	MD
Zip	21009-2765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1COS
Legal Description	LOT 63 8450 SF 428 SPRUCE PINE ROAD LAUREL RIDGE 144/18
Legal Subdivision	LAUREL RDG
Legal Lot Number	63
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	3
Census Block	3000
Census Tract	301108

Owner

Source: Harford County records · APN 01-398965

Assessment roll updated August 12, 2025 · Last verified August 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 File
Mailing Address	428 SPRUCE PINE RD, ABINGDON, MD 21009-2765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 08, 2021	Deed, Transfer · Conventional Mortgage TBI MORTGAGE COMPANY
Jan 09, 2019	Loan Modification, Mortgage NORMAN B HOOKER
Mar 28, 2018	Loan Modification, Mortgage NORMAN B HOOKER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 08, 2021 · Amount on Record
Deed Sale	Jan 08, 2021 · Amount on Record
Deed Book / Page	14391 / 500
Record Updated	Sep 20, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jan 08, 2021
Property Address	428 SPRUCE PINE RD, ABINGDON, MD 21009-2765
Document Number	0143910500
Book / Page	14391 / 500
Map Reference	MB 144 FO 18
Instrument Date	Sep 21, 2020
Transaction Type	Transfer
Record Updated	May 03, 2022
Title Company	UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	428 SPRUCE PINE RD, ABINGDON, MD 21009-2765

Mortgage

Document Number	0014391506
Date	Jan 08, 2021
Instrument	14391/506

Lender

Name	TBI MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	369 Months
Due	Oct 01, 2051

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARFORD MD
Recording Date	Jan 09, 2019
Property Address	428 SPRUCE PINE RD, ABINGDON, MD 21009-2765
Document Number	0131190301
Book / Page	013119 / 000301
Instrument Date	Jan 02, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	703 DOWERS RD ABINGDON MD 210091571, ABINGDON, MD 21009-1571

Mortgage

Document Number	131190301
Date	Jan 09, 2019
Book Page	013119/000301

Lender

Name	NORMAN B HOOKER

Agreement

Amount	Amount Recorded

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARFORD MD
Recording Date	Mar 28, 2018
Property Address	428 SPRUCE PINE RD, ABINGDON, MD 21009-2765
Document Number	0127530159
Book / Page	012753 / 000159
Instrument Date	Mar 09, 2018
Transaction Type	Mortgage
Record Updated	Apr 09, 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 records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$674,200 (+21.5%) Land $172,500 Building $501,700	$674,200 (+21.5%) Land $172,500 Building $501,700
2025	$6,481.00 (+7.18%)
2023		$554,900 Land $172,500 Building $382,400	$554,900 Land $172,500 Building $382,400
2022	$6,047.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 15, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Based on FCC filings for 353 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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