115 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 115 E Lake Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,408 sqft · built 1971
Lot Size	0.537 acres (23,391 sqft)
Owner	2 Individual Names on Record
Last Sale	$890,000 (Dec 2022)
Tax Bill	$11,716 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Dec 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-047-06542306`

Property Details

APN / Parcel Number

Primary APN	`02-047-06542306`
Alternative APNs	`2-047-06542306` `04706542306`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,408 sqft Living Area
Gross Area	2,914 sqft
1st Floor Area	1,204 sqft
Basement Area	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	23,391 sqft (0.537 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	04706542306
Street Address	115 E LAKE DR
City	ANNAPOLIS
State	MD
Zip	21403-4444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LTS 16 17 SC 11 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	4008
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	414 THIRD ST, ANNAPOLIS, MD 21403-2512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Dec 19, 2022	Deed, Transfer FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2022 · Amount on Record
Deed Sale	Dec 19, 2022 · Amount on Record
Prior Sale	Dec 19, 2006
Deed Book / Page	39344 / 331
Prior Transfer Date	Dec 11, 2006
Prior Transfer Doc	0185930278
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	115 E LAKE DR, ANNAPOLIS, MD 21403-4444
Transaction Type	Mortgage
Record Updated	Feb 15, 2023
Title Company	PROGRESSIVE TITLE COMPANY, PROGRESSIVE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E LAKE DR, ANNAPOLIS, MD 21403-4444

Mortgage

Document Number	0394310118
Date	Feb 1, 2023
Book Page	39431/118

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Dec 19, 2022
Property Address	115 E LAKE DR, ANNAPOLIS, MD 21403-4444
Document Number	0393440331
Book / Page	39344 / 331
Map Reference	MB 3 PG 44
Instrument Date	Dec 9, 2022
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$4,450.00
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 Common
Address	115 E LAKE DR, ANNAPOLIS, MD 21403-4444

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		$1,173,300 (+9.08%) Land $906,800 Building $266,500	$1,173,300 (-) Land $906,800 Building $266,500
2025	$11,716.00 (+2.35%) Homeowner's exemption	$1,075,600 (+22.2%)	$1,173,300 (+33.3%) Land $906,800 Building $266,500
2024	$11,447.00 (+19.1%)
2023	$9,611.00	$880,200 Land $678,800 Building $201,400	$880,200 Land $678,800 Building $201,400

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 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 96% of the US · lower than 92% 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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