Harford County property record for 441 Spry Island Rd, Joppa, MD 21085
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,694 sqft · built 2003 |
| Lot Size | 0.363 acres (15,812 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,152 (2026) |
| Deeds & Mortgages | Jan 2022 Mortgage Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-334409 |
| Primary APN | 01-334409 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,694 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 15,812 sqft (0.363 acres) |
| Garage Type | Mixed |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 120 sqft |
| Deck Area | 384 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 334409 |
|---|---|
| Street Address | 441 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 70 15812 SF 441 SPRY ISLAND ROAD GUNPOWDER PT 104/67 |
| Legal Subdivision | GUNPOWDER |
| Legal Lot Number | 70 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 301301 |
441 Spry Island Rd is owned and occupied by two individuals who acquired it in October 2025.
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 | 441 SPRY ISLAND RD, JOPPA, MD 21085-5437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Oct 17, 2025 | Intrafamily Transfer, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2025 |
| Deed Sale | Oct 17, 2025 |
| Prior Sale | Jul 26, 2024 · Amount on File |
| Deed Book / Page | 16851 / 208 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 441 SPRY ISLAND RD, JOPPA, MD 21085-5437 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0152980315 |
|---|---|
| Date | Jan 11, 2022 |
| Book Page | 15298/315 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 178 Months |
| Due | Nov 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Oct 17, 2025 |
| Property Address | 441 SPRY ISLAND RD, JOPPA, MD 21085-5437 |
| Document Number | 0168510208 |
| Book / Page | 16851 / 208 |
| Map Reference | MB CGH 104 FO 67 |
| Instrument Date | Oct 10, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | REAL ESTATE TITLE AND ESCROW, REAL ESTATE STLMTS & ESCROW |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 441 SPRY ISLAND RD, JOPPA, MD 21085-5437 |
| Document Number | 0016851215 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 16851/215 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
The 2026 property tax bill for 441 Spry Island Rd was $5,152 with a homeowner's exemption, up 17.5% from the year before.
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 | $5,152.00 (+17.49%) Homeowner's exemption | $472,733 (+8.04%) | $507,900 (-) Land $98,800 Building $409,100 |
| 2025 | $4,385.00 Homeowner's exemption | $437,567 | $507,900 Land $98,800 Building $409,100 |
| 2023 | $387,267 | $402,400 Land $98,800 Building $303,600 | |
| 2022 | $4,055.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 441 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 |
|
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 risk around 441 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.
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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