104 Gardner Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 104 Gardner Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,376 sqft · built 1973
Lot Size	0.258 acres (11,250 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Feb 2023)
Tax Bill	$6,199 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-412-01389200`

Property Details

APN / Parcel Number

Primary APN	`02-412-01389200`
Alternative APNs	`241201389200` `41201389200`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,376 sqft Living Area
Gross Area	2,701 sqft
1st Floor Area	1,701 sqft
Basement Area	675 sqft
Finished Basement	675 sqft
Utility Area	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,250 sqft (0.258 acres)
Garage Type	Attached
Garage Area	325 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	624 sqft
Deck Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	41201389200
Street Address	104 GARDNER DR
City	ANNAPOLIS
State	MD
Zip	21403-3724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 11 BK F SC 3 PL 1 HILLSMERE ESTATES
Legal Subdivision	HILLSMERE ESTATES
Legal Block	F
Legal Lot Number	11
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1025
Census Tract	702601

Owner

104 Gardner Dr is owned and occupied by two individuals who bought it in February 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	104 GARDNER DR, ANNAPOLIS, MD 21403-3724
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2023 · Amount on File
Deed Sale	Feb 28, 2023 · Amount on File
Deed Book / Page	39484 / 251
Record Updated	Oct 29, 2026

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Feb 28, 2023
Property Address	104 GARDNER DR, ANNAPOLIS, MD 21403-3724
Document Number	0394840251
Book / Page	39484 / 251
Map Reference	MB 25 FO 7
Instrument Date	Feb 24, 2023
Transaction Type	Transfer
Record Updated	Mar 21, 2023
Title Company	LEGACYHOUSE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	703 SHELLEY RD, TOWSON, MD 21286-2926

Mortgage

Document Number	0039484256
Date	Feb 28, 2023
Instrument	39484/256

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 104 Gardner Dr was $6,199 with a homeowner's exemption.

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		$574,200 Land $241,700 Building $332,500	$574,200 Land $241,700 Building $332,500
2025	$6,199.00
2023	$5,141.00	$470,800 Land $241,700 Building $229,100	$470,800 Land $241,700 Building $229,100

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

Flood

FEMA maps place 104 Gardner Dr in Zone X, an area of minimal flood risk, though there have been 7 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
Flood Insurance Cost	Premium on File 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	Hurricane Isabel, Sep 2003 · 3 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 104 Gardner 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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