1126 Cherry Point Rd, West River, MD 20778 Property Records

Anne Arundel County property record for 1126 Cherry Point Rd, West River, MD 20778

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,850 sqft · built 1978
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Mar 2023)
Tax Bill	$4,771 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-000-90097878`

Property Details

APN / Parcel Number

Primary APN	`07-000-90097878`
Alternative APNs	`700090097878` `00090097878`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,850 sqft Living Area
1st Floor Area	925 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	1,280 sqft
Parking Spaces	4 Parking Spaces
Patio Area	320 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	00090097878
Street Address	1126 CHERRY POINT RD
City	WEST RIVER
State	MD
Zip	20778-9779
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 2A PAPPAMIHIEL PROPERTY
Legal Subdivision	PAPPAMIHIEL PROPERTY
Legal Block	1
Legal Lot Number	2A
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1002
Census Tract	707001

Owner

Source: Anne Arundel County records, as of September 4, 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 Record
Mailing Address	1126 CHERRY POINT RD, WEST RIVER, MD 20778-9779
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2023	Deed, Transfer · FHA Mortgage MILLENNIUM FINANCIAL GROUP INC
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Oct 17, 2019	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Dec 21, 2018	Grant Deed, Transfer HERITAGE TITLE LIMITED, HERITAGE TITLE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2023 · Amount on Record
Deed Sale	Mar 30, 2023 · Amount on Record
Prior Sale	Oct 17, 2019 · Amount on Record
Deed Book / Page	39555 / 101
Record Updated	Oct 29, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 30, 2023
Property Address	1126 CHERRY POINT RD, WEST RIVER, MD 20778-9779
Document Number	0395550101
Book / Page	39555 / 101
Map Reference	MB 2004 PG 08
Instrument Date	Mar 29, 2023
Transaction Type	Transfer
Record Updated	Apr 19, 2023
Title Company	NOT AVAILABLE, EAGLE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1126 CHERRY POINT RD, WEST RIVER, MD 20778-9779

Mortgage

Document Number	0039555111
Date	Mar 30, 2023
Instrument	39555/111

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1126 CHERRY POINT RD, WEST RIVER, MD 20778-9779
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	LIBERTY TITLE ESCROW/MD LLC, LIBERTY T&E OF MD LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0375980368
Date	Sep 24, 2021
Book Page	37598/368

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	21238

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 17, 2019
Property Address	1126 CHERRY POINT RD, WEST RIVER, MD 20778-9779
Document Number	0337200372
Book / Page	33720 / 372
Map Reference	MB 204 PG 08
Instrument Date	Oct 4, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2520 WILLETT LN, 2520, HUNTINGTOWN, MD 20639-3624

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1126 CHERRY POINT RD, WEST RIVER, MD 20778-9779

Mortgage

Document Number	33720378
Date	Oct 17, 2019
Instrument	33720/378

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Dec 21, 2018
Property Address	1126 CHERRY POINT RD, WEST RIVER, MD 20778-9779
Document Number	0327540316
Book / Page	032754 / 000316
Instrument Date	Dec 13, 2018
Transaction Type	Transfer
Record Updated	Jan 8, 2019
Title Company	HERITAGE TITLE LIMITED, HERITAGE TITLE LTD

Transaction

Amount	Amount Recorded
Tax	$170.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1126 CHERRY POINT RD WEST RIVER MD 207789779, WEST RIVER, MD 20778-9779

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of September 4, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$466,300 (+26.03%) Land $170,000 Building $296,300	$466,300 (+26.03%) Land $170,000 Building $296,300
2025	$4,771.00 (+18.09%)
2023	$4,040.00	$370,000 Land $170,000 Building $200,000	$370,000 Land $170,000 Building $200,000

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 101 policies
Nearby Flood Policies	101 in force
Nearby Flood Claims	50 (1979–2024)
Claims Outside the SFHA	11 of 50
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 34 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 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Cell Coverage

4G LTE only, no 5G reported

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