109 E Bay View Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 109 E Bay View Dr, Annapolis, MD 21403 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,128 sqft · built 1969
Lot Size	0.334 acres (14,541 sqft)
Owner	2 Individual Names on File
Last Sale	$1,350,000 (Oct 2021)
Tax Bill	$11,145 (2024)
Deeds & Mortgages	Dec 2022 Line of Credit Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-412-09538160`

Property Details

APN / Parcel Number

Primary APN	`02-412-09538160`
Alternative APNs	`2-412-09538160` `41209538160`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,128 sqft Living Area
Gross Area	2,720 sqft
1st Floor Area	1,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	14,541 sqft (0.334 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	592 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	258 sqft
Deck Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	41209538160
Street Address	109 E BAY VIEW DR
City	ANNAPOLIS
State	MD
Zip	21403-4105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 5R BK A SC 1 HILLSMERE ESTATES
Legal Subdivision	HILLSMERE ESTATES
Legal Block	A
Legal Lot Number	5
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	3
Census Block	3000
Census Tract	702601

Owner

Source: Anne Arundel County records · APN 02-412-09538160

Assessment roll updated August 13, 2025 · Last verified April 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 File
Mailing Address	109 E BAY VIEW DR, ANNAPOLIS, MD 21403-4105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 08, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Oct 28, 2021	Deed, Transfer · Conventional Mortgage CITADEL SERVICING CORPORATION
Mar 23, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 28, 2021 · Amount on Record
Deed Sale	Oct 28, 2021 · Amount on Record
Prior Sale	Mar 07, 2012 · Amount on Record
Deed Book / Page	37802 / 26
Prior Transfer Date	Mar 13, 2017
Prior Transfer Doc	0307600247
Record Updated	Jun 08, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	109 E BAY VIEW DR, ANNAPOLIS, MD 21403-4105
Transaction Type	Mortgage
Record Updated	Dec 26, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E BAY VIEW DR, ANNAPOLIS, MD 21403-4105

Mortgage

Document Number	0393240266
Date	Dec 08, 2022
Book Page	39324/266

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 07, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 28, 2021
Property Address	109 E BAY VIEW DR, ANNAPOLIS, MD 21403-4105
Document Number	0378020026
Book / Page	37802 / 26
Map Reference	MB 315 PG 3-6
Instrument Date	Sep 22, 2021
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$20,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 E BAY VIEW DR, 109, ANNAPOLIS, MD 21403-4105

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	109 E BAY VIEW DR, ANNAPOLIS, MD 21403-4105

Mortgage

Document Number	3780234
Date	Oct 28, 2021
Instrument	37802/34

Lender

Name	CITADEL SERVICING CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2051

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 23, 2017
Property Address	109 E BAY VIEW DR, ANNAPOLIS, MD 21403-4105
Document Number	0307600247
Book / Page	030760 / 000247
Instrument Date	Mar 13, 2017
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	109 E BAY VIEW DR ANNAPOLIS MD 214034105, ANNAPOLIS, MD 21403-4105

Tax Assessment & Valuation

Source: Anne Arundel County records · Assessment roll updated August 13, 2025 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,023,467 (+16.97%)	$1,097,700 (+25.45%) Land $767,000 Building $330,700
2024	$11,145.00 (+16.64%)
2023	$9,555.00	$875,000 Land $666,300 Building $208,700	$875,000 Land $666,300 Building $208,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Anne Arundel County (24003C), updated January 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240037026013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Flood Insurance Cost	Premium on Record median of 62 individual NFIP policies nearby
Nearby Flood Policies	62 in force
Nearby Flood Claims	6 (1999–2018)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Feb 2018, other causes
Claims By Storm	Hurricane Isabel, Sep 2003 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 19 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Verizon	Fiber	980 / 880

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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