110 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 110 E Lake Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,185 sqft · built 1980
Lot Size	0.256 acres (11,170 sqft)
Owner	2 Company Names on File
Last Sale	$3,307,000 (Jun 2023)
Tax Bill	$29,734 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-047-07222600`

Property Details

APN / Parcel Number

Primary APN	`02-047-07222600`
Alternative APNs	`2-047-07222600` `04707222600`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,185 sqft Living Area
Gross Area	3,405 sqft
1st Floor Area	1,182 sqft
Basement Area	890 sqft
Finished Basement	890 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,170 sqft (0.256 acres)
View / Lot	Waterfront
Garage Area	484 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	116 sqft
Deck Area	220 sqft
Patio Area	220 sqft
Boat Access	Boat Access
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	04707222600
Street Address	110 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	LT 18 SC 7 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	18
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4002
Census Tract	702602

Owner

Source: Anne Arundel County assessment roll, 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 Company Names on File
Mailing Address	110 E LAKE DR, ANNAPOLIS, MD 21403-4415
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Oct 6, 2025	Intrafamily Transfer, Transfer
Jun 27, 2023	Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage MANUFACTURERS & TRADERS TRUST CO
May 26, 2017	Deed of Trust, Mortgage CAPITAL BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 27, 2023 · Amount on Record
Deed Sale	Jun 27, 2023 · Amount on Record
Prior Sale	May 3, 2012 · Amount on Record
Deed Book / Page	39754 / 207
Last Transfer Date	Jul 18, 2025
Transfer Doc	0417100310
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	110 E LAKE DR, ANNAPOLIS, MD 21403-4415
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	CAPITOL SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 E LAKE DR, ANNAPOLIS, MD 21403-4415

Mortgage

Document Number	0420780143
Date	Feb 13, 2026
Book Page	42078/143

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 6, 2025
Property Address	110 E LAKE DR, ANNAPOLIS, MD 21403-4415
Document Number	0417100310
Book / Page	41710 / 310
Map Reference	MB 3 FO 44
Instrument Date	Jul 18, 2025
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	110 E LAKE DR, ANNAPOLIS, MD 21403-4415

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 27, 2023
Property Address	110 E LAKE DR, ANNAPOLIS, MD 21403-4415
Document Number	0397540207
Book / Page	39754 / 207
Map Reference	MB 3 FO 44
Instrument Date	Jun 26, 2023
Transaction Type	Transfer
Record Updated	Jul 14, 2023
Title Company	EAGLE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$16,535.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	110 E LAKE DR, ANNAPOLIS, MD 21403-4415

Mortgage

Document Number	0039754215
Date	Jun 27, 2023
Instrument	39754/215

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	110 E LAKE DR, ANNAPOLIS, MD 21403-4415
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CAPITOL SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0338930170
Date	Nov 27, 2019
Book Page	33893/170

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Feb 8, 2046

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	110 E LAKE DR, ANNAPOLIS, MD 21403-4415
Document Number	0310010151
Book / Page	031001 / 000151
Instrument Date	May 26, 2017
Transaction Type	Mortgage
Record Updated	Jul 14, 2017
Title Company	PINNACLE TITLE AND ESCROW, PINNACLE TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 E LAKE DR ANNAPOLIS MD 214034415, ANNAPOLIS, MD 21403-4415

Mortgage

Document Number	0310010151
Date	Jun 5, 2017
Book Page	031001/000151

Lender

Name	CAPITAL BK
Type	Bank
Address	1 CHURCH ST # 300, ROCKVILLE, MD 20850-4190

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

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	$29,734.00 (+19.73%)	$2,561,067 (+54.56%)	$3,013,100 (+81.84%) Land $2,331,700 Building $681,400
2024	$24,835.00 (+102.26%)
2023	$12,279.00 (-24.42%) Homeowner's exemption	$1,657,000 (+6.58%) Land $1,227,800 Building $429,200	$1,657,000 (-) Land $1,227,800 Building $429,200
2022	$16,246.00 Homeowner's exemption	$1,554,733	$1,657,000 Land $1,227,800 Building $429,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 500 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 at the parcel

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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