432 Spruce Pine Rd, Abingdon, MD 21009 Property Records

Harford County property record for 432 Spruce Pine Rd, Abingdon, MD 21009

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,788 sqft · built 2021
Lot Size	0.206 acres (8,973 sqft)
Owner	2 Individual Names on File
Last Sale	$572,718 (Oct 2021)
Tax Bill	$6,879 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jan 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-398963`

Property Details

APN / Parcel Number

Primary APN	`01-398963`
Alternative APN	`398963`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,788 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,973 sqft (0.206 acres)
Garage Type	Mixed
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	334 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	398963
Street Address	432 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 61 8973 SF 432 SPRUCE PINE ROAD LAUREL RIDGE 144/18
Legal Subdivision	LAUREL RDG
Legal Lot Number	61
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	3
Census Block	3000
Census Tract	301108

Owner

432 Spruce Pine Rd is owned and occupied by two individuals who bought it in October 2021.

Source: Harford County records, as of August 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	432 SPRUCE PINE RD, ABINGDON, MD 21009-2765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Deed, Transfer · Conventional Mortgage TBI MORTGAGE COMPANY
Jan 9, 2019	Loan Modification, Mortgage NORMAN B HOOKER
Mar 28, 2018	Loan Modification, Mortgage NORMAN B HOOKER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2021 · Amount on File
Deed Sale	Oct 28, 2021 · Amount on File
Deed Book / Page	15142 / 1
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Oct 28, 2021
Property Address	432 SPRUCE PINE RD, ABINGDON, MD 21009-2765
Document Number	0151420001
Book / Page	15142 / 1
Map Reference	MB 144 FO 18
Instrument Date	Oct 7, 2021
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	WESTMINSTER TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 SPRUCE PINE RD, ABINGDON, MD 21009-2765

Mortgage

Document Number	0000151427
Date	Oct 28, 2021
Instrument	15142/7

Lender

Name	TBI MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARFORD MD
Recording Date	Jan 9, 2019
Property Address	432 SPRUCE PINE RD, ABINGDON, MD 21009-2765
Document Number	0131190301
Book / Page	013119 / 000301
Instrument Date	Jan 2, 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 9, 2019
Book Page	013119/000301

Lender

Name	NORMAN B HOOKER

Agreement

Amount	Amount on Record

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARFORD MD
Recording Date	Mar 28, 2018
Property Address	432 SPRUCE PINE RD, ABINGDON, MD 21009-2765
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 on Record

Tax Assessment & Valuation

The 2026 property tax bill for 432 Spruce Pine Rd was $6,879 with a homeowner's exemption, up 16.5% 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	$6,879.00 (+16.53%) Homeowner's exemption	$631,200 Land $172,600 Building $458,600	$631,200 Land $172,600 Building $458,600
2025	$5,903.00 Homeowner's exemption
2023		$514,600 Land $172,600 Building $342,000	$514,600 Land $172,600 Building $342,000
2022	$5,608.00

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

Flood

FEMA maps place 432 Spruce Pine Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
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

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 432 Spruce Pine 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	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

Nearby Properties on Spruce Pine Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures