436 Spry Island Rd, Joppa, MD 21085 Property Records

Harford County property record for 436 Spry Island Rd, Joppa, MD 21085

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,208 sqft · built 2002
Lot Size	0.205 acres (8,929 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Jun 2025)
Tax Bill	$4,538 (2026)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-334468`

Property Details

APN / Parcel Number

Primary APN	`01-334468`
Alternative APNs	`1334468` `334468`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,208 sqft Total Area
Basement Area	300 sqft
Finished Basement	300 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	8,929 sqft (0.205 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	256 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	334468
Street Address	436 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 75 8929 SF 436 SPRY ISLAND ROAD GUNPOWDER PT 104/67
Legal Subdivision	FINAL PLAT THREE PHASE II GUNPOWDER
Legal Lot Number	75
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2008
Census Tract	301301

Owner

436 Spry Island Rd is owned and occupied by an individual who bought it in June 2025.

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

Owner of Record	Individual Name on File
Mailing Address	436 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	Jun 20, 2025 · Amount on File
Deed Sale	Jun 20, 2025 · Amount on File
Prior Sale	Aug 23, 2019 · Amount on File
Deed Book / Page	16706 / 233
Record Updated	Oct 29, 2026

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 23, 2019
Property Address	436 SPRY ISLAND RD, JOPPA, MD 21085-5436
Document Number	0134090105
Book / Page	13409 / 0105
Map Reference	MB 104 FO 67
Instrument Date	Aug 14, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	MID ATLANTIC TITLE LLC

Transaction

Amount	Amount on Record
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 in Severalty
Address	436 SPRY ISLAND RD, JOPPA, MD 21085-5436

Mortgage

Document Number	0013409109
Date	Aug 23, 2019
Instrument	13409/109

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 436 Spry Island Rd was $4,538, up 11.8% 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	$4,538.00 (+11.8%)	$416,433	$438,400 Land $98,100 Building $340,300
2025	$4,059.00 Homeowner's exemption
2023		$355,300	$372,500 Land $98,100 Building $274,400
2022	$3,684.00

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

Flood

FEMA maps place 436 Spry Island 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 A, within 500 ft
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 436 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 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