Harford County property record for 433 Spry Island Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,264 sqft · built 2002 |
| Lot Size | 0.221 acres (9,626 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $244,122 (Jan 2002) |
| Tax Bill | $4,367 (2026) |
| Deeds & Mortgages | May 2017 Mortgage May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-334360 |
| Primary APN | 01-334360 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,264 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,626 sqft (0.221 acres) |
| Garage Type | Mixed |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 137 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 334360 |
|---|---|
| Street Address | 433 SPRY ISLAND RD |
| City | JOPPA |
| State | MD |
| Zip | 21085-5437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1COS |
| Legal Description | LOT 66 9626 SF 433 SPRY ISLAND ROAD GUNPOWDER PT 104/67 |
| Legal Subdivision | GUNPOWDER 3 PH II |
| Legal Lot Number | 66 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 301301 |
Source: Harford County records, as of August 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 433 SPRY ISLAND RD, JOPPA, MD 21085-5437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 17, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| May 17, 2017 | Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 14, 2002 · Amount on Record |
| Deed Sale | Jan 14, 2002 · Amount on Record |
| Deed Document Number | 20021786 |
| Deed Book / Page | 3812 / 674 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 433 SPRY ISLAND RD, JOPPA, MD 21085-5437 |
| Document Number | 0124210111 |
| Book / Page | 012421 / 000111 |
| Instrument Date | May 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2017 |
| Title Company | CHANCELLOR TITLE AGENCY, CHANCELLOR TITLE AGCY |
| Name | Verified Name |
|---|---|
| Address | 433 SPRY ISLAND RD JOPPA MD 210855437, JOPPA, MD 21085-5437 |
| Document Number | 0124210111 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 012421/000111 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 1056 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.64% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 433 SPRY ISLAND RD, JOPPA, MD 21085-5437 |
| Document Number | 0124210092 |
| Book / Page | 012421 / 000092 |
| Instrument Date | May 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2017 |
| Title Company | CHANCELLOR TITLE AGENCY, CHANCELLOR TITLE AGCY |
| Name | Verified Name |
|---|---|
| Address | 433 SPRY ISLAND RD JOPPA MD 210855437, JOPPA, MD 21085-5437 |
| Document Number | 0124210092 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 012421/000092 |
| Name | FINANCE OF AMERICA REVERSE |
|---|---|
| Address | TULSA, OK 74137 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 1056 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.64% |
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,367.00 (+11.63%) Homeowner's exemption | $400,733 (+15.81%) | $421,600 (+17.44%) Land $98,200 Building $323,400 |
| 2025 | $3,912.00 (+7.77%) Homeowner's exemption | ||
| 2023 | $346,033 | $359,000 Land $98,200 Building $260,800 | |
| 2022 | $3,630.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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