108 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 108 E Lake Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,770 sqft · built 1956
Lot Size	0.445 acres (19,388 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Dec 1991)
Tax Bill	$16,039 (2024)
Deeds & Mortgages	Dec 2019 Line of Credit Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-047-11505400`

Property Details

APN / Parcel Number

Primary APN	`02-047-11505400`
Alternative APNs	`2-047-11505400` `04711505400`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,770 sqft Living Area
1st Floor Area	2,907 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	19,388 sqft (0.445 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	356 sqft
Deck Area	88 sqft
Patio Area	146 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	04711505400
Street Address	108 E LAKE DR
City	ANNAPOLIS
State	MD
Zip	21403-4415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LTS 19 20 SC 7 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	19
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4002
Census Tract	702602

Owner

Source: Anne Arundel County records, as of August 13, 2025

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	108 E LAKE DR, ANNAPOLIS, MD 21403-4415
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2019	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK
Dec 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK
Aug 12, 2020	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 1991 · Amount on Record
Deed Sale	Dec 3, 1991 · Amount on Record
Deed Book / Page	5467 / 784
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	108 E LAKE DR, ANNAPOLIS, MD 21403-4415
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0339790468
Date	Dec 20, 2019
Book Page	33979/468

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Oct 7, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	108 E LAKE DR, ANNAPOLIS, MD 21403-4415
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0339790448
Date	Dec 20, 2019
Book Page	33979/448

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	108 E LAKE DR, ANNAPOLIS, MD 21403-4415
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STATES TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 E LAKE DR, ANNAPOLIS, MD 21403-4415

Mortgage

Document Number	0350350403
Date	Aug 12, 2020
Book Page	35035/403

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of August 13, 2025

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
2025		$2,942,667 (+48.3%)	$3,421,900 (+72.46%) Land $2,551,600 Building $870,300
2024	$16,039.00 (+16.69%)
2023	$13,745.00 Homeowner's exemption	$1,984,200 Land $1,328,500 Building $655,700	$1,984,200 Land $1,328,500 Building $655,700

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	7 (2003–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 87% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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