Anne Arundel County property record for 107 Gardner Dr, Annapolis, MD 21403
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,436 sqft · built 1956 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $465,000 (Nov 2021) |
| Tax Bill | $5,327 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Nov 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-412-09690700 |
| Primary APN | 02-412-09690700 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,436 sqft Living Area |
| 1st Floor Area | 1,044 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,250 sqft (0.258 acres) |
| Garage Type | Carport |
| Garage Area | 200 sqft |
| Carport | Carport |
| Carport Area | 200 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 200 sqft |
| Shed | 1 Shed |
| Shed Area | 170 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 41209690700 |
|---|---|
| Street Address | 107 GARDNER DR |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21403-3723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 7 BK E SC 3 PL 1 HILLSMERE ESTATES |
| Legal Subdivision | HILLSMERE ESTATES |
| Legal Block | E |
| Legal Lot Number | 7 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 702601 |
107 Gardner Dr is owned and occupied by two individuals who bought it in November 2021.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 107 GARDNER DR, ANNAPOLIS, MD 21403-3723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 9, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 5, 2021 | Deed, Transfer · Conventional Mortgage FIRST WASHINGTON MORTGAGE |
| Oct 28, 2019 | Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP |
| Jul 7, 2017 | Grant Deed, Transfer · Conventional with PMI PHH HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2021 · Amount on File |
| Deed Sale | Nov 5, 2021 · Amount on File |
| Prior Sale | Oct 28, 2019 · Amount on File |
| Deed Book / Page | 37868 / 450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 107 GARDNER DR, ANNAPOLIS, MD 21403-3723 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0351820320 |
|---|---|
| Date | Sep 9, 2020 |
| Book Page | 35182/320 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Nov 5, 2021 |
| Property Address | 107 GARDNER DR, ANNAPOLIS, MD 21403-3723 |
| Document Number | 0378680450 |
| Book / Page | 37868 / 450 |
| Map Reference | MB 25 PG 7 |
| Instrument Date | Oct 29, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2021 |
| Title Company | ATG TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,812.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 107 GARDNER DR, ANNAPOLIS, MD 21403-3723 |
| Document Number | 37868458 |
|---|---|
| Date | Nov 5, 2021 |
| Instrument | 37868/458 |
| Name | FIRST WASHINGTON MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Oct 28, 2019 |
| Property Address | 107 GARDNER DR, ANNAPOLIS, MD 21403-3723 |
| Document Number | 0337610307 |
| Book / Page | 33761 / 307 |
| Map Reference | MB 25 PG 7 |
| Instrument Date | Oct 15, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | EAGLE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,836.57 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 107 GARDNER DR, ANNAPOLIS, MD 21403-3723 |
| Document Number | 33761315 |
|---|---|
| Date | Oct 28, 2019 |
| Instrument | 33761/315 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jul 7, 2017 |
| Property Address | 107 GARDNER DR, ANNAPOLIS, MD 21403-3723 |
| Document Number | 0311310481 |
| Book / Page | 031131 / 000481 |
| Instrument Date | Jun 15, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2017 |
| Title Company | INTRUST TITLE AND ESCROW LLC, INTRUST TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $362.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 107 GARDNER DR ANNAPOLIS MD 214033723, ANNAPOLIS, MD 21403-3723 |
| Document Number | 311310485 |
|---|---|
| Date | Jul 7, 2017 |
| Book Page | 031131/000485 |
| Name | PHH HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | VIENNA, VA 22182 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 6, 2047 |
| Document Number | 311310489, |
|---|---|
| Date | Jul 7, 2017 |
| Book Page | 031131/000489 |
| Name | PHH HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | VIENNA, VA 22182 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 6, 2047 |
The 2025 property tax bill for 107 Gardner Dr was $5,327 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 | $496,400 Land $241,700 Building $254,700 | $496,400 Land $241,700 Building $254,700 | |
| 2025 | $5,327.00 | ||
| 2023 | $4,298.00 | $393,600 Land $241,700 Building $151,900 | $393,600 Land $241,700 Building $151,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 107 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 |
|
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 107 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.
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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