1127 Cumberstone Rd, Harwood, MD 20776 Property Records

Anne Arundel County property record for 1127 Cumberstone Rd, Harwood, MD 20776

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,108 sqft · built 1974
Lot Size	1.88 acres (81,893 sqft)
Owner	Company Name on Record
Last Sale	$1,150,000 (Jul 2021)
Tax Bill	$12,318 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-000-01151105`

Property Details

APN / Parcel Number

Primary APN	`01-000-01151105`
Alternative APNs	`100001151105` `00001151105`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,108 sqft Living Area
Gross Area	3,009 sqft
1st Floor Area	1,509 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	81,893 sqft
View / Lot	Waterfront
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	351 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	00001151105
Street Address	1127 CUMBERSTONE RD
City	HARWOOD
State	MD
Zip	20776-9566
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	1.88 ACRES CUMBERSTONE
Legal Subdivision	CUMBERSTONE
Legal Block	2
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2024
Census Tract	701400

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	Company Name on Record
Mailing Address	1127 CUMBERSTONE RD, HARWOOD, MD 20776-9566
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2021	Deed, Transfer · Stand-Alone First Mortgage OLD DOMINION NATIONAL BANK
Mar 10, 2020	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2021 · Amount on Record
Deed Sale	Jul 23, 2021 · Amount on Record
Prior Sale	Mar 10, 2020 · Amount on Record
Deed Book / Page	37250 / 365
Record Updated	Oct 29, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jul 23, 2021
Property Address	1127 CUMBERSTONE RD, HARWOOD, MD 20776-9566
Document Number	0372500365
Book / Page	37250 / 365
Instrument Date	Jul 12, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	KVS TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$17,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1127 CUMBERSTONE RD, HARWOOD, MD 20776-9566

Mortgage

Document Number	0037250370
Date	Jul 23, 2021
Instrument	37250/370

Lender

Name	OLD DOMINION NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 10, 2020
Property Address	1127 CUMBERSTONE RD, HARWOOD, MD 20776-9566
Document Number	0342960313
Book / Page	34296 / 313
Instrument Date	Feb 28, 2020
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	EAGLE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,100.00
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 in Severalty
Address	7 W KIRKE ST, CHEVY CHASE, MD 20815-4245

Mortgage

Document Number	0003429319
Date	Mar 10, 2020
Instrument	3429/319

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Mar 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.62%
Index	1-Year LIBOR
Max Rate	7.62%

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		$1,191,800 (+26.88%) Land $883,800 Building $308,000	$1,191,800 (+26.88%) Land $883,800 Building $308,000
2025	$12,318.00 (+20.09%)
2023	$10,257.00	$939,300 Land $733,800 Building $205,500	$939,300 Land $733,800 Building $205,500

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 42 policies
Nearby Flood Policies	42 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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