115 Spruce Ln, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 115 Spruce Ln, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,976 sqft · built 1965
Lot Size	0.564 acres (24,570 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Nov 2001)
Tax Bill	$6,121 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-412-00214100`

Property Details

APN / Parcel Number

Primary APN	`02-412-00214100`
Alternative APNs	`2-412-00214100` `41200214100`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,976 sqft Living Area
1st Floor Area	990 sqft
Basement Area	250 sqft
Finished Basement	250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	24,570 sqft (0.564 acres)
Porch	Open Porch
Porch Area	192 sqft
Deck Area	77 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	41200214100
Street Address	115 SPRUCE LN
City	ANNAPOLIS
State	MD
Zip	21403-4045
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LTS 14 15 BK J SC 2 PL 1 115 SPRUCE LN HILLSMERE ESTATES
Legal Subdivision	HILLSMERE ESTATES
Legal Block	J
Legal Lot Number	14
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1018
Census Tract	702601

Owner

115 Spruce Ln is owned by an individual who acquired it in March 2020.

Source: Anne Arundel County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	404 HOLLY DR, ANNAPOLIS, MD 21403-4011
Owner Type	Individual
Vesting	Sole Owner

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	Name on Deed
Last Sale	Nov 21, 2001 · Amount on File
Deed Sale	Nov 21, 2001 · Amount on File
Prior Sale	Jun 28, 1994 · Amount on File
Deed Document Number	20017073
Deed Book / Page	10928 / 679
Last Transfer Date	Mar 3, 2020
Transfer Doc	0344740278
Record Updated	Oct 29, 2026

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 22, 2020
Property Address	115 SPRUCE LN, ANNAPOLIS, MD 21403-4045
Document Number	0344740278
Book / Page	34474 / 278
Map Reference	MB 23 FO 36
Instrument Date	Mar 3, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	SECU TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	115 SPRUCE LN, ANNAPOLIS, MD 21403-4045

Mortgage

Document Number	3447282
Date	Apr 22, 2020
Instrument	3447/282

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 115 Spruce Ln was $6,121, up 5.4% from the year before.

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		$484,300 (+4.91%) Land $269,100 Building $215,200	$484,300 (-) Land $269,100 Building $215,200
2025	$6,121.00 (+5.41%)	$461,633	$484,300 Land $269,100 Building $215,200
2024	$5,807.00 (+101.07%)
2023	$2,888.00 Homeowner's exemption	$416,300 Land $269,100 Building $147,200	$416,300 Land $269,100 Building $147,200

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

Flood

FEMA maps place 115 Spruce Ln in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

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
Nearby Flood Policies	12 in force
Nearby Flood Claims	7 (1979–2014)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Aug 2014 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 3 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

Wildfire risk around 115 Spruce Ln 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20