Anne Arundel County property record for 1116 River Bay Rd, Annapolis, MD 21409 · Last verified September 2023
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,887 sqft · built 1976 |
| Lot Size | 0.414 acres (18,060 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,875,000 (May 2021) |
| Tax Bill | $16,250 (2023) |
| Deeds & Mortgages | Sep 2020 Mortgage May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-165-25927000 |
| Primary APN | 03-165-25927000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,887 sqft Total Area |
| 1st Floor Area | 1,538 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 18,060 sqft (0.414 acres) |
| Garage Type | Built-in |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 606 sqft |
| Patio Area | 164 sqft |
| Balcony | Balcony |
| Balcony Area | 198 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 16525927000 |
|---|---|
| Old Parcel Number | 316525927000 |
| Street Address | 1116 RIVER BAY RD |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21409-4832 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 100 PL B 1116 RIVER BAY RD CAPE ST CLAIRE |
| Legal Subdivision | CAPE ST CLAIRE |
| Legal Lot Number | 100 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 731003 |
Source: Anne Arundel County records · APN 03-165-25927000
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 | 1116 RIVER BAY RD, ANNAPOLIS, MD 21409-4832 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 02, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| May 24, 2021 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 24, 2021 · Amount on Record |
| Deed Sale | May 24, 2021 · Amount on Record |
| Prior Sale | Jun 26, 2015 · Amount on Record |
| Deed Document Number | 0003683533 |
| Deed Book / Page | 36835 / 33 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1116 RIVER BAY RD, ANNAPOLIS, MD 21409-4832 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2022 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 0351510429 |
|---|---|
| Date | Sep 02, 2020 |
| Book Page | 35151/429 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jun 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Jun 01, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.87% |
| Index | 1-Year LIBOR |
| Max Rate | 7.87% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | May 24, 2021 |
| Property Address | 1116 RIVER BAY RD, ANNAPOLIS, MD 21409-4832 |
| Document Number | 0368350033 |
| Book / Page | 36835 / 33 |
| Map Reference | MB 19 FO 42 |
| Instrument Date | May 05, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2021 |
| Title Company | NOT AVAILABLE, EAGLE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $28,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5042 SHERIER PL NW, WASHINGTON, DC 20016-3328 |
| Document Number | 3683539 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 36835/39 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
Source: Anne Arundel County records · Assessment roll updated July 1, 2023 · Last verified September 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
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 | $16,250.00 | $1,488,167 | $1,538,700 Land $975,300 Building $563,400 |
Source: FEMA National Flood Hazard Layer, Anne Arundel County (24003C), updated January 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240037310031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| 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 500 ft |
| Flood Insurance Cost | Premium on Record median of 37 individual NFIP policies nearby |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 3 (2003–2021) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2021, other causes |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 269 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Radiate Holdings | Cable | 1,500 / 50 |
| Verizon | Fiber | 980 / 880 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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