Anne Arundel County property record for 102 Spruce Ln, Annapolis, MD 21403
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,648 sqft · built 1971 |
| Lot Size | 0.551 acres (24,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $339,900 (Dec 2016) |
| Tax Bill | $5,984 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-412-05044905 |
| Primary APN | 02-412-05044905 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,648 sqft Living Area |
| Gross Area | 2,220 sqft |
| 1st Floor Area | 1,648 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 24,000 sqft (0.551 acres) |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 240 sqft |
| Deck Area | 224 sqft |
| Patio Area | 1,144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 41205044905 |
|---|---|
| Street Address | 102 SPRUCE LN |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21403-4019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LTS 33 34 BK K SC 2 PL 2 102 SPRUCE LN HILLSMERE ESTATES |
| Legal Subdivision | HILLSMERE ESTATES |
| Legal Block | K |
| Legal Lot Number | 33 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 702601 |
Source: Anne Arundel County records, as of October 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 102 SPRUCE LN, ANNAPOLIS, MD 21403-4019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2016 · Amount on Record |
| Deed Sale | Dec 20, 2016 · Amount on Record |
| Prior Sale | Jun 13, 2016 · Amount on Record |
| Deed Document Number | 201630438-482 |
| Deed Book / Page | 30438 / 482 |
| Transfer Doc | 0000004938 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 102 SPRUCE LN, ANNAPOLIS, MD 21403-4019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Title Company | UNKNOWN, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 102 SPRUCE LN, ANNAPOLIS, MD 21403-4019 |
| Document Number | 0418840454 |
|---|---|
| Date | Dec 4, 2025 |
| Book Page | 41884/454 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $521,900 (+22.2%) Land $269,000 Building $252,900 | $521,900 (+22.2%) Land $269,000 Building $252,900 | |
| 2025 | $5,984.00 (+28.33%) | ||
| 2023 | $4,663.00 Homeowner's exemption | $427,100 Land $269,000 Building $158,100 | $427,100 Land $269,000 Building $158,100 |
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 January 16, 2026 · 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 |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 7 (1979–2014) |
| Claims Outside the SFHA | 3 of 7 |
| Most Recent Claim | Aug 2014 · other causes |
| 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 365 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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