114 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 114 E Lake Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,377 sqft · built 1955
Lot Size	0.445 acres (19,388 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,475,000 (Aug 2020)
Tax Bill	$24,819 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-047-12063900`

Property Details

APN / Parcel Number

Primary APN	`02-047-12063900`
Alternative APNs	`204712063900` `04712063900`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	3,377 sqft Living Area
1st Floor Area	2,453 sqft
Basement Area	924 sqft
Finished Basement	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	19,388 sqft (0.445 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	621 sqft
Deck Area	1,026 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	04712063900
Street Address	114 E LAKE DR
City	ANNAPOLIS
State	MD
Zip	21403-4415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LTS 16 17 SC 7 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	16
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4002
Census Tract	702602

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	114 E LAKE DR, ANNAPOLIS, MD 21403-4415
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2021	Deed of Trust, Mortgage · Line of Credit ORRSTOWN BANK
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Feb 23, 2021	Deed of Trust, Mortgage · Line of Credit ORRSTOWN BANK
Aug 12, 2020	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2020 · Amount on Record
Deed Sale	Aug 12, 2020 · Amount on Record
Prior Sale	Mar 10, 2009 · Amount on Record
Deed Book / Page	35037 / 84
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	114 E LAKE DR, ANNAPOLIS, MD 21403-4415
Transaction Type	Mortgage
Record Updated	Jan 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 E LAKE DR, ANNAPOLIS, MD 21403-4415

Mortgage

Document Number	0380340408
Date	Dec 7, 2021
Book Page	38034/408

Lender

Name	ORRSTOWN BANK
Type	Bank
Address	PASADENA, MD 21122

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	114 E LAKE DR, ANNAPOLIS, MD 21403-4415
Transaction Type	Mortgage
Record Updated	Nov 2, 2021
Title Company	NOT AVAILABLE, EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0377200033
Date	Oct 15, 2021
Book Page	37720/33

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	114 E LAKE DR, ANNAPOLIS, MD 21403-4415
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 E LAKE DR, ANNAPOLIS, MD 21403-4415

Mortgage

Document Number	0361950485
Date	Feb 23, 2021
Book Page	36195/485

Lender

Name	ORRSTOWN BANK
Type	Bank
Address	PASADENA, MD 21122

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Aug 12, 2020
Property Address	114 E LAKE DR, ANNAPOLIS, MD 21403-4415
Document Number	0350370084
Book / Page	35037 / 84
Map Reference	MB 3 PL 44
Instrument Date	Jul 17, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	EAGLE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22,125.00
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	114 E LAKE DR, ANNAPOLIS, MD 21403-4415

Mortgage

Document Number	3503792
Date	Aug 12, 2020
Instrument	35037/92

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

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		$3,020,300 (+92.6%) Land $2,538,100 Building $482,200	$3,020,300 (+92.6%) Land $2,538,100 Building $482,200
2025	$24,819.00 (+44.94%)
2023	$17,124.00	$1,568,200 Land $1,329,000 Building $239,200	$1,568,200 Land $1,329,000 Building $239,200

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 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	7 (2003–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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