1045 Red Clover Rd, Gambrills, MD 21054 Property Records

Anne Arundel County property record for 1045 Red Clover Rd, Gambrills, MD 21054

Property Summary

Property Type	Townhouse
Details	4 ba · 3,071 sqft · built 2017
Lot Size	0.06 acres (2,624 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Apr 2022)
Tax Bill	$7,409 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-780-90242774`

Property Details

APN / Parcel Number

Primary APN	`04-780-90242774`
Alternative APN	`78090242774`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,071 sqft Living Area
Gross Area	3,432 sqft
1st Floor Area	1,200 sqft
Attic	Attic
Attic Area	420 sqft
Basement Area	671 sqft
Finished Basement	671 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,624 sqft (0.06 acres)
Garage Type	Attached
Garage Area	361 sqft
Parking Spaces	1 Parking Space
Deck Area	360 sqft
Patio Area	192 sqft
Balcony Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	78090242774
Street Address	1045 RED CLOVER RD
City	GAMBRILLS
State	MD
Zip	21054-1982
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R5
Legal Description	LT 57 SUMMERFIELD VILLAGE
Legal Subdivision	SUMMERFIELD VILLAGE
Legal Block	2
Legal Lot Number	57
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	4
Census Block Group	2
Census Block	2019
Census Tract	740704

Owner

Source: Anne Arundel County records, as of September 4, 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	1045 RED CLOVER RD, GAMBRILLS, MD 21054-1982
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2019	Deed of Trust, Mortgage · Line of Credit ANDREWS FCU
Apr 25, 2022	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2022 · Amount on Record
Deed Sale	Apr 25, 2022 · Amount on Record
Prior Sale	Nov 29, 2016 · Amount on Record
Deed Book / Page	38642 / 399
Prior Transfer Date	Jul 22, 2015
Prior Transfer Doc	0287310264
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1045 RED CLOVER RD, GAMBRILLS, MD 21054-1982
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	MORTGAGE INFORMATION SVCS IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0336710044
Date	Oct 7, 2019
Book Page	33671/044

Lender

Name	ANDREWS FCU
Type	Credit Union
Address	SUITLAND, MD 20746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 25, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 25, 2022
Property Address	1045 RED CLOVER RD, GAMBRILLS, MD 21054-1982
Document Number	0386420399
Book / Page	38642 / 399
Map Reference	MB 335PG42-50PL17323
Instrument Date	Apr 6, 2022
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	REALM TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1045 RED CLOVER RD, GAMBRILLS, MD 21054-1982

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1045 RED CLOVER RD, GAMBRILLS, MD 21054-1982

Mortgage

Document Number	0386420422
Date	Apr 25, 2022
Book Page	38642/422

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	MIDDLE RIVER, MD 21220

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

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		$661,067 (+14.31%)	$707,800 (+10.99%) Land $175,000 Building $532,800
2025	$7,409.00 (+20.84%)
2023	$6,131.00	$578,300	$637,700 Land $170,000 Building $467,700

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

Flood

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	3 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CROFTON-ODENTON serves 62,986 people · EPA ID MD0020008
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2017–2019) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 164 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

May also be available: T-Mobile.

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