Anne Arundel County property record for 1155 Spruce Tree Ln, Annapolis, MD 21409
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,529 sqft · built 1968 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $449,900 (Jan 2024) |
| Tax Bill | $4,876 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jan 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-165-33164202 |
| Primary APN | 03-165-33164202 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,529 sqft Living Area |
| Gross Area | 1,805 sqft |
| 1st Floor Area | 990 sqft |
| Basement Area | 539 sqft |
| Finished Basement | 539 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Split Foyer |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 9,000 sqft (0.207 acres) |
| Garage Type | Attached |
| Garage Area | 276 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 320 sqft |
| Deck Area | 48 sqft |
| Patio Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | 16533164202 |
|---|---|
| Street Address | 1155 SPRUCE TREE LN |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21409-4819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LT 14 BK DD PL 4 CAPE ST CLAIRE |
| Legal Subdivision | CAPE ST CLAIRE |
| Legal Block | DD |
| Legal Lot Number | 14 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 731003 |
1155 Spruce Tree Ln is owned and occupied by an individual who bought it in January 2024.
Source: Anne Arundel County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11402 PECKHAM PL, TAMPA, FL 33625-4008 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 4, 2024 | Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 4, 2024 · Amount on File |
| Deed Sale | Jan 4, 2024 · Amount on File |
| Prior Sale | Apr 18, 2007 · Amount on File |
| Deed Book / Page | 40162 / 471 |
| Prior Transfer Date | Dec 18, 2013 |
| Prior Transfer Doc | 0270150056 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1155 SPRUCE TREE LN, ANNAPOLIS, MD 21409-4819 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Title Company | MARYLAND FIRST TITLE LIMITED, MARYLAND FIRST TITLE LTD |
| Name | Verified Name |
|---|---|
| Address | 1155 SPRUCE TREE LN, ANNAPOLIS, MD 21409-4819 |
| Document Number | 0420720211 |
|---|---|
| Date | Feb 11, 2026 |
| Book Page | 42072/211 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Type Change Date | Mar 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 6.99% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 9.99% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jan 4, 2024 |
| Property Address | 1155 SPRUCE TREE LN, ANNAPOLIS, MD 21409-4819 |
| Document Number | 0401620471 |
| Book / Page | 40162 / 471 |
| Map Reference | MB 21 PG 47 |
| Instrument Date | Dec 29, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2024 |
| Title Company | EAGLE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,249.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 11402 PECKHAM PL, TAMPA, FL 33625-4008 |
| Document Number | 0040162477 |
|---|---|
| Date | Jan 4, 2024 |
| Instrument | 40162/477 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2054 |
The 2025 property tax bill for 1155 Spruce Tree Ln was $4,876 with a homeowner's exemption, up 7.1% from the year before.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $402,000 (+7.6%) | $430,400 (-) Land $240,000 Building $190,400 | |
| 2025 | $4,876.00 (+7.09%) | $373,600 | $430,400 Land $240,000 Building $190,400 |
| 2024 | $4,553.00 (+22.66%) | ||
| 2023 | $3,712.00 | $340,000 | $345,200 Land $230,000 Building $115,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1155 Spruce Tree Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.
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 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 risk around 1155 Spruce Tree 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 | 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 | 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 |
| 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.
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 |
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