1122 River Bay Rd, Annapolis, MD 21409 Property Records

Anne Arundel County property record for 1122 River Bay Rd, Annapolis, MD 21409

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,714 sqft · built 2001
Lot Size	0.503 acres (21,910 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,500,000 (May 2023)
Tax Bill	$19,703 (2024)
Deeds & Mortgages	May 2023 Sale & Mortgage Jul 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-165-15821330`

Property Details

APN / Parcel Number

Primary APN	`03-165-15821330`
Alternative APNs	`3-165-15821330` `16515821330`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,714 sqft Living Area
Gross Area	3,798 sqft
1st Floor Area	2,024 sqft
Basement Area	14 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	21,910 sqft (0.503 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	819 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Enclosed Porch
Porch Area	516 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	16515821330
Street Address	1122 RIVER BAY RD
City	ANNAPOLIS
State	MD
Zip	21409-4832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 103 PL B CAPE ST CLAIRE
Legal Subdivision	CAPE ST CLAIRE
Legal Block	1
Legal Lot Number	103
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	1
Census Block	1002
Census Tract	731003

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	47277 MIDDLE BLUFF PL, STERLING, VA 20165-3127
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jul 5, 2018	Grant Deed, Transfer EAGLE TITLE
May 2, 2017	Quit Claim Deed, Transfer BETHESDA TITLE AND ESCROW, BETHESDA TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2023 · Amount on Record
Deed Sale	May 30, 2023 · Amount on Record
Prior Sale	Jul 5, 2018 · Amount on Record
Deed Book / Page	39686 / 98
Prior Transfer Date	Dec 23, 2016
Prior Transfer Doc	0308860330
Record Updated	Jun 8, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 30, 2023
Property Address	1122 RIVER BAY RD, ANNAPOLIS, MD 21409-4832
Document Number	0396860098
Book / Page	39686 / 98
Map Reference	MB 19 PL 42
Instrument Date	May 26, 2023
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	ATG TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,500.00
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	47277 MIDDLE BLUFF PL, STERLING, VA 20165-3127

Mortgage

Document Number	0039686103
Date	May 30, 2023
Instrument	39686/103

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

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

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jul 5, 2018
Property Address	1122 RIVER BAY RD, ANNAPOLIS, MD 21409-4832
Document Number	0322740410
Book / Page	032274 / 000410
Instrument Date	Jun 29, 2018
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	EAGLE TITLE

Transaction

Amount	Amount Recorded
Tax	$1,625.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1122 RIVER BAY RD ANNAPOLIS MD 214094832, ANNAPOLIS, MD 21409-4832

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 2, 2017
Property Address	1122 RIVER BAY RD, ANNAPOLIS, MD 21409-4832
Document Number	0308860330
Book / Page	030886 / 000330
Instrument Date	Dec 23, 2016
Transaction Type	Transfer
Record Updated	Jul 7, 2017
Title Company	BETHESDA TITLE AND ESCROW, BETHESDA TITLE & ESCROW

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1122 RIVER BAY RD ANNAPOLIS MD 214094832, ANNAPOLIS, MD 21409-4832

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		$1,907,200 (+13.64%)	$2,264,000 (+30.96%) Land $1,263,800 Building $1,000,200
2024	$19,703.00 (+7.51%)
2023	$18,327.00	$1,678,300	$1,728,800 Land $1,012,800 Building $716,000

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
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

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GLEN BURNIE-BROADNECK serves 290,606 people · EPA ID MD0020017
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2016–2018) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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