1105 River Bay Rd, Annapolis, MD 21409 Property Records

Anne Arundel County property record for 1105 River Bay Rd, Annapolis, MD 21409 · Last verified September 2023

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,620 sqft · built 1975
Lot Size	0.586 acres (25,536 sqft)
Owner	Individual Name on File
Tax Bill	$5,315 (2023)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-165-26295451`

Property Details

APN / Parcel Number

Primary APN	`03-165-26295451`
Alternative APNs	`316526295451` `16526295451`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,620 sqft Total Area
1st Floor Area	1,620 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	25,536 sqft (0.586 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Pool Area	800 sqft
Porch	Open Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	16526295451
Old Parcel Number	316526295451
Street Address	1105 RIVER BAY RD
City	ANNAPOLIS
State	MD
Zip	21409-4831
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 23 PL B 1105 RIVER BAY RD CAPE ST CLAIRE
Legal Subdivision	CAPE ST CLAIRE
Legal Lot Number	23
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	1
Census Block	1003
Census Tract	731003

Owner

Source: Anne Arundel County records · APN 03-165-26295451

Assessment roll updated July 1, 2023 · Last verified September 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1105 RIVER BAY RD, ANNAPOLIS, MD 21409-4831
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 11, 1999
Deed Sale	Jun 11, 1999
Prior Sale	Feb 03, 1995 · Amount on Record
Deed Document Number	007796
Deed Book / Page	06922 / 00304
Record Updated	Jun 07, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1105 RIVER BAY RD, ANNAPOLIS, MD 21409-4831
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	EQUITY NATL TTL & CLOSING SV

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0357170068
Date	Dec 03, 2020
Book Page	35717/68

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

Tax Assessment & Valuation

Source: Anne Arundel County records · Assessment roll updated July 1, 2023 · Last verified September 2023

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
2023	$5,315.00	$486,733	$496,600 Land $264,300 Building $232,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Anne Arundel County (24003C), updated January 16, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone VE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.