Anne Arundel County property record for 115 Academy St, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,150 sqft · built 1991 |
| Lot Size | 0.154 acres (6,725 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $475,000 (Sep 2002) |
| Tax Bill | $10,030 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Jul 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-05744200 |
| Primary APN | 06-000-05744200 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,150 sqft Living Area |
| 1st Floor Area | 1,114 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,725 sqft (0.154 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 44 sqft |
| Deck Area | 360 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00005744200 |
|---|---|
| Street Address | 115 ACADEMY ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-3503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 32 ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 3 |
| Legal Lot Number | 32 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 706500 |
115 Academy St is owned and occupied by two individuals who bought it in September 2002.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 115 ACADEMY ST, ANNAPOLIS, MD 21401-3503 |
| 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.
| Date | Document |
|---|---|
| Jan 29, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jul 22, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2002 · Amount on File |
| Deed Sale | Sep 12, 2002 · Amount on File |
| Prior Sale | Jun 4, 1992 · Amount on File |
| Deed Document Number | 200212859 |
| Deed Book / Page | 11857 / 33 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 115 ACADEMY ST, ANNAPOLIS, MD 21401-3503 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 115 ACADEMY ST, ANNAPOLIS, MD 21401-3503 |
| Document Number | 0420290460 |
|---|---|
| Date | Jan 29, 2026 |
| Book Page | 42029/460 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Feb 1, 2066 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 115 ACADEMY ST, ANNAPOLIS, MD 21401-3503 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 115 ACADEMY ST, ANNAPOLIS, MD 21401-3503 |
| Document Number | 0389610171 |
|---|---|
| Date | Jul 22, 2022 |
| Book Page | 38961/171 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 21, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 115 Academy St was $10,030 with a homeowner's exemption.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Municipality | Annapolis City |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $927,200 Land $568,600 Building $358,600 | $927,200 Land $568,600 Building $358,600 | |
| 2025 | $10,030.00 | ||
| 2023 | $9,116.00 Homeowner's exemption | $781,300 Land $568,600 Building $212,700 | $781,300 Land $568,600 Building $212,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 Academy St in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 12 in force |
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 risk around 115 Academy St is low, with less than 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 93% of the US · lower than 85% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF ANNAPOLIS serves 35,000 people · EPA ID MD0020001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | 6 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 336 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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