Anne Arundel County property record for 1020 Mountain Top Dr, Annapolis, MD 21409
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,204 sqft · built 1974 |
| Lot Size | 0.211 acres (9,169 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,435 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-165-17517700 |
| Primary APN | 03-165-17517700 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,204 sqft Living Area |
| 1st Floor Area | 1,204 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,169 sqft (0.211 acres) |
| Porch | Open Porch |
| Porch Area | 332 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | 16517517700 |
|---|---|
| Street Address | 1020 MOUNTAIN TOP DR |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21409-5042 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LT 17 BK PP PL 3 CAPE ST CLAIRE |
| Legal Subdivision | CAPE ST CLAIRE |
| Legal Block | PP |
| Legal Lot Number | 17 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 731003 |
1020 Mountain Top Dr is owned and occupied by two individuals who acquired it in October 2024.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1020 MOUNTAIN TOP DR, ANNAPOLIS, MD 21409-5042 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 17, 2025 | Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC |
| Mar 19, 2021 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 18, 2024 |
| Deed Sale | Oct 18, 2024 |
| Prior Sale | Aug 16, 2007 · Amount on File |
| Deed Book / Page | 40821 / 367 |
| Prior Transfer Date | Aug 30, 2024 |
| Prior Transfer Doc | 0408210367 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1020 MOUNTAIN TOP DR, ANNAPOLIS, MD 21409-5042 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1020 MOUNTAIN TOP DR, ANNAPOLIS, MD 21409-5042 |
| Document Number | 0418370416 |
|---|---|
| Date | Nov 17, 2025 |
| Book Page | 41837/416 |
| Name | INDEPENDENCE HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85251 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1020 MOUNTAIN TOP DR, ANNAPOLIS, MD 21409-5042 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Title Company | PREMIER TITLE AND ESCROW LLC, PREMIUM TITLE AND ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0363860063 |
|---|---|
| Date | Mar 19, 2021 |
| Book Page | 36386/63 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 1020 Mountain Top Dr was $4,435, up 2.3% from the year before.
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 | $384,933 (+4.87%) | $402,800 (-) Land $240,500 Building $162,300 | |
| 2025 | $4,435.00 (+2.26%) | $367,067 | $402,800 Land $240,500 Building $162,300 |
| 2024 | $4,337.00 (+24.38%) | ||
| 2023 | $3,487.00 Homeowner's exemption | $345,433 | $349,200 Land $230,500 Building $118,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1020 Mountain Top Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.
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 |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 3 (1978–2003) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2003 · Hurricane Isabel |
| 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 1020 Mountain Top Dr 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 | Direct burnable vegetation |
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 | GLEN BURNIE-BROADNECK serves 290,606 people · EPA ID MD0020017 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2016–2018) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 568 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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