Anne Arundel County property record for 1031 Harbor Dr, Annapolis, MD 21403
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 3,208 sqft · built 1975 |
| Lot Size | 0.512 acres (22,304 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $515,000 (Jun 2012) |
| Tax Bill | $7,956 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Nov 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-001-10153075 |
| Primary APN | 02-001-10153075 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,208 sqft Living Area |
| 1st Floor Area | 1,334 sqft |
| Basement Area | 632 sqft |
| Finished Basement | 632 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 22,304 sqft (0.512 acres) |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 300 sqft |
| Deck Area | 588 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 00110153075 |
|---|---|
| Street Address | 1031 HARBOR DR |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21403-4252 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 74 SC F ANNAPOLIS ROADS |
| Legal Subdivision | ANNAPOLIS ROADS |
| Legal Block | 2 |
| Legal Lot Number | 74 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 702602 |
1031 Harbor Dr is owned and occupied by two individuals who bought it in June 2012.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1031 HARBOR DR, ANNAPOLIS, MD 21403-4252 |
| 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 |
|---|---|
| Jan 9, 2026 | Deed of Trust, Mortgage · VA Mortgage IMPERIUM LENDING LLC |
| Nov 20, 2023 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Jan 18, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage POINT DIGITAL FINANCE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2012 · Amount on File |
| Deed Sale | Jun 26, 2012 · Amount on File |
| Prior Sale | Apr 15, 2008 · Amount on File |
| Deed Book / Page | 24811 / 325 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1031 HARBOR DR, ANNAPOLIS, MD 21403-4252 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1031 HARBOR DR, ANNAPOLIS, MD 21403-4252 |
| Document Number | 0419820270 |
|---|---|
| Date | Jan 9, 2026 |
| Book Page | 41982/270 |
| Name | IMPERIUM LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48084 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1031 HARBOR DR, ANNAPOLIS, MD 21403-4252 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0400660482 |
|---|---|
| Date | Nov 20, 2023 |
| Book Page | 40066/482 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1031 HARBOR DR, ANNAPOLIS, MD 21403-4252 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2022 |
| Title Company | PROGRESSIVE TITLE |
| Name | Verified Name |
|---|---|
| Address | 1031 HARBOR DR, ANNAPOLIS, MD 21403-4252 |
| Document Number | 0382320494 |
|---|---|
| Date | Jan 18, 2022 |
| Book Page | 38232/494 |
| Name | POINT DIGITAL FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | PALO ALTO, CA 94302 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 1031 Harbor Dr was $7,956 with a homeowner's exemption.
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 | $746,300 Land $378,500 Building $367,800 | $746,300 Land $378,500 Building $367,800 | |
| 2025 | $7,956.00 | ||
| 2023 | $6,149.00 Homeowner's exemption | $563,100 Land $273,500 Building $289,600 | $563,100 Land $273,500 Building $289,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1031 Harbor Dr in Zone X, an area of minimal flood risk, though there have been 181 flood claims nearby since 1979.
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 | 6 in force |
| Nearby Flood Claims | 181 (1979–2024) |
| Claims Outside the SFHA | 43 of 181 |
| Most Recent Claim | Mar 2024 · 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.
Wildfire risk around 1031 Harbor 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 212 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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