Anne Arundel County property record for 1048 Oak Tree Ln, Annapolis, MD 21409
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 2 ba · 1,588 sqft · built 1974 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $390,000 (Aug 2019) |
| Tax Bill | $524 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-165-22356500 |
| Primary APN | 03-165-22356500 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,588 sqft Gross Area |
| 1st Floor Area | 1,108 sqft |
| Basement Area | 480 sqft |
| Finished Basement | 480 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,000 sqft (0.207 acres) |
| Pool Area | 800 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 240 sqft |
| Deck Area | 360 sqft |
| Patio Area | 480 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | 16522356500 |
|---|---|
| Street Address | 1048 OAK TREE LN |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21409-5011 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Local Zoning Code | R5 |
| Legal Description | LT 10 BK QQ PL 3 CAPE ST CLAIRE |
| Legal Subdivision | CAPE ST CLAIRE |
| Legal Block | |
| Legal Lot Number | 10 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 731003 |
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 | 1048 OAK TREE LN, ANNAPOLIS, MD 21409-5011 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 3, 2026 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS BANK AND TRUST COMPANY |
| Nov 5, 2021 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 10, 2020 | Deed of Trust, Mortgage · VA Mortgage ACCELERATE MTG LLC |
| Aug 5, 2019 | Deed, Transfer · VA Mortgage BAY CAPITAL MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2019 · Amount on Record |
| Deed Sale | Aug 5, 2019 · Amount on Record |
| Prior Sale | Jul 24, 2008 · Amount on Record |
| Deed Book / Page | 33423 / 198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Aug 3, 2026 |
| Property Address | 1048 OAK TREE LN, ANNAPOLIS, MD 21409-5011 |
| Document Number | 4259000135 |
| Book / Page | 42590 / 135 |
| Instrument Date | Jul 20, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | SINGLESOURCE PROPERTY SOLUTION, SINGLESOURCE PROPERTY SOLUTI |
| Name | Verified Name |
|---|---|
| Address | 1048 OAK TREE LN, ANNAPOLIS, MD 21409-5011 |
| Document Number | 4259000135, |
|---|---|
| Date | Aug 3, 2026 |
| Book Page | 42590/135 |
| Name | MANUFACTURERS BANK AND TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1048 OAK TREE LN, ANNAPOLIS, MD 21409-5011 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1048 OAK TREE LN, ANNAPOLIS, MD 21409-5011 |
| Document Number | 0378640293 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 37864/293 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1048 OAK TREE LN, ANNAPOLIS, MD 21409-5011 |
| Document Number | 0344930284 |
| Instrument Date | Apr 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2020 |
| Title Company | CLIENT FIRST TITLE INC, CLIENT 1ST TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1048 OAK TREE LN ANNAPOLIS MD 214095011, ANNAPOLIS, MD 21409-5011 |
| Document Number | 0344930284 |
|---|---|
| Date | Apr 27, 2020 |
| Book Page | 034493/000284 |
| Name | ACCELERATE MTG LLC |
|---|---|
| Address | NEWARK, DE 19713 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 26, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Aug 5, 2019 |
| Property Address | 1048 OAK TREE LN, ANNAPOLIS, MD 21409-5011 |
| Document Number | 0334230198 |
| Book / Page | 33423 / 198 |
| Map Reference | MB 21 FO 45 |
| Instrument Date | Jul 15, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | MARYLAND TRUST T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1048 OAK TREE LN, ANNAPOLIS, MD 21409-5011 |
| Document Number | 33423205 |
|---|---|
| Date | Aug 5, 2019 |
| Instrument | 33423/205 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
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 | $448,067 (+4.93%) | $469,100 (-) Land $240,000 Building $229,100 | |
| 2025 | $524.00 (-87.79%) | $427,033 (+8.67%) | $469,100 (+15.54%) Land $240,000 Building $229,100 |
| 2023 | $4,291.00 | $392,967 | $406,000 Land $230,000 Building $176,000 |
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures