1127 River Bay Rd, Annapolis, MD 21409 Property Records

Anne Arundel County property record for 1127 River Bay Rd, Annapolis, MD 21409

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,480 sqft · built 1957
Lot Size	1.32 acres (57,731 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Jul 2009)
Tax Bill	$7,176 (2025)
Deeds & Mortgages	Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-165-07166728`

Property Details

APN / Parcel Number

Primary APN	`03-165-07166728`
Alternative APNs	`316507166728` `16507166728`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,480 sqft Living Area
1st Floor Area	1,760 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	57,731 sqft
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	456 sqft
Porch	Open Porch
Porch Area	32 sqft
Deck Area	105 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	16507166728
Street Address	1127 RIVER BAY RD
City	ANNAPOLIS
State	MD
Zip	21409-4851
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LTS 132R 133R PL B CAPE ST CLAIRE
Legal Subdivision	CAPE ST CLAIRE
Legal Block	1
Legal Lot Number	132R
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	1
Census Block	1005
Census Tract	731003

Owner

1127 River Bay Rd is owned and occupied by two individuals who bought it in July 2009.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1127 RIVER BAY RD, ANNAPOLIS, MD 21409-4851
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2009 · Amount on File
Deed Sale	Jul 14, 2009 · Amount on File
Prior Sale	Oct 17, 1988 · Amount on File
Deed Document Number	20094610
Deed Book / Page	21241 / 391
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1127 RIVER BAY RD, ANNAPOLIS, MD 21409-4851
Document Number	0335860065
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1127 RIVER BAY RD ANNAPOLIS MD 214094851, ANNAPOLIS, MD 21409-4851

Mortgage

Document Number	0335860065
Date	Sep 18, 2019
Book Page	033586/000065

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1127 River Bay Rd was $7,176.

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		$584,800 Land $282,400 Building $302,400	$584,800 Land $282,400 Building $302,400
2025	$7,176.00
2023	$7,207.00	$660,000	$669,600 Land $436,400 Building $233,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1127 River Bay Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 1127 River Bay Rd is low, with a 0.01% annual chance of 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

Nearby Properties on River Bay Rd

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