1 Saunders Point Ln, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1 Saunders Point Ln, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 6,125 sqft · built 2005
Lot Size	1.33 acres (58,370 sqft)
Owner	2 Individual Names on File
Last Sale	$2,000,000 (Aug 2023)
Tax Bill	$22,018 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jan 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-165-90095824`

Property Details

APN / Parcel Number

Primary APN	`02-165-90095824`
Alternative APNs	`2-165-90095824` `16590095824`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,125 sqft Living Area
Gross Area	7,037 sqft
1st Floor Area	2,880 sqft
Basement Area	1,900 sqft
Finished Basement	1,900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	58,370 sqft
Garage Type	Attached
Garage Area	912 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Patio Area	583 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	16590095824
Street Address	1 SAUNDERS POINT LN
City	ANNAPOLIS
State	MD
Zip	21403-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 9 SC III CHERRYSTONE
Legal Subdivision	CHERRYSTONE
Legal Block	4
Legal Lot Number	9
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4015
Census Tract	702500

Owner

1 Saunders Point Ln is owned and occupied by two individuals who bought it in August 2023.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1 SAUNDERS POINT LN, ANNAPOLIS, MD 21403-1309
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Aug 16, 2023	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jan 2, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2023 · Amount on File
Deed Sale	Aug 16, 2023 · Amount on File
Prior Sale	Oct 25, 2011 · Amount on File
Deed Book / Page	39864 / 375
Prior Transfer Date	Dec 23, 2019
Prior Transfer Doc	0340180025
Record Updated	Oct 29, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Aug 16, 2023
Property Address	1 SAUNDERS POINT LN, ANNAPOLIS, MD 21403-1309
Document Number	0398640375
Book / Page	39864 / 375
Map Reference	MB 190FO29&30PL10054
Instrument Date	Aug 10, 2023
Transaction Type	Transfer
Record Updated	Aug 31, 2023
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 SAUNDERS POINT LN, ANNAPOLIS, MD 21403-1309

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1 SAUNDERS POINT LN, ANNAPOLIS, MD 21403-1309

Mortgage

Document Number	0039864383
Date	Aug 16, 2023
Instrument	39864/383

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Sep 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Margin	3
Max Rate	11.6%

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jan 2, 2020
Property Address	1 SAUNDERS POINT LN, ANNAPOLIS, MD 21403-1309
Document Number	0340180025
Book / Page	034018 / 000025
Instrument Date	Dec 23, 2019
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1 SAUNDERS POINT LN ANNAPOLIS MD 214031309, ANNAPOLIS, MD 21403-1309

Tax Assessment & Valuation

The 2025 property tax bill for 1 Saunders Point Ln was $22,018, up 18.2% from the year before.

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,277,900 (+16.27%) Land $795,500 Building $1,482,400	$2,277,900 (-) Land $795,500 Building $1,482,400
2025	$22,018.00 (+18.22%)	$1,959,200	$2,277,900 Land $795,500 Building $1,482,400
2024	$18,624.00 (+29.03%)
2023	$14,434.00 Homeowner's exemption	$1,321,800 Land $795,500 Building $526,300	$1,321,800 Land $795,500 Building $526,300

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

Flood

FEMA maps place 1 Saunders Point Ln 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 January 16, 2026 · 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
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	11 (1996–2013)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Jul 2013 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 6 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 1 Saunders Point Ln is low, with a 0.02% 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	0.02% 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 56 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

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