Anne Arundel County property record for 104 Spruce Ln, Annapolis, MD 21403
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,519 sqft · built 1970 |
| Lot Size | 0.62 acres (27,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $485,000 (Apr 2016) |
| Tax Bill | $6,203 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-412-09449500 |
| Primary APN | 02-412-09449500 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,519 sqft Living Area |
| Gross Area | 3,095 sqft |
| 1st Floor Area | 1,884 sqft |
| Basement Area | 635 sqft |
| Finished Basement | 635 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 27,000 sqft (0.62 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 392 sqft |
| Deck Area | 326 sqft |
| Greenhouse | 115 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 41209449500 |
|---|---|
| Street Address | 104 SPRUCE LN |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21403-4019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 31R BK K SC 2 PL2 HILLSMERE ESTATES |
| Legal Subdivision | HILLSMERE ESTATES |
| Legal Block | K |
| Legal Lot Number | 31R |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 104 SPRUCE LN, ANNAPOLIS, MD 21403-4019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Dec 9, 2020 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 27, 2016 · Amount on Record |
| Deed Sale | Apr 27, 2016 · Amount on Record |
| Deed Book / Page | 29508 / 421 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 104 SPRUCE LN, ANNAPOLIS, MD 21403-4019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2022 |
| Title Company | AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0384300229 |
|---|---|
| Date | Mar 3, 2022 |
| Book Page | 38430/229 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 104 SPRUCE LN, ANNAPOLIS, MD 21403-4019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AVENUE 365 LENDERS SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0357580410 |
|---|---|
| Date | Dec 9, 2020 |
| Book Page | 35758/410 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT WASHINGTON, PA 19034 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
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 | $586,800 (+24.77%) Land $269,700 Building $317,100 | $586,800 (+24.77%) Land $269,700 Building $317,100 | |
| 2025 | $6,203.00 (+20.8%) | ||
| 2023 | $5,135.00 Homeowner's exemption | $470,300 Land $269,700 Building $200,600 | $470,300 Land $269,700 Building $200,600 |
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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