1176 Spruce Ave, Shady Side, MD 20764 Property Records

Anne Arundel County property record for 1176 Spruce Ave, Shady Side, MD 20764

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,400 sqft · built 1987
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (Apr 2026)
Tax Bill	$4,615 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`07-155-90051525`

Property Details

APN / Parcel Number

Primary APN	`07-155-90051525`
Alternative APNs	`7-155-90051525` `15590051525`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,400 sqft Living Area
1st Floor Area	952 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Porch	Open Porch
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	15590051525
Street Address	1176 SPRUCE AVE
City	SHADY SIDE
State	MD
Zip	20764-9553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 5 BK 25 CEDARHURST ON THE BAY
Legal Subdivision	CEDARHURST ON THE BAY
Legal Block	25
Legal Lot Number	5
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2001
Census Tract	707001

Owner

1176 Spruce Ave is owned and occupied by an individual who bought it in April 2026.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record	Individual Name on File
Mailing Address	1176 SPRUCE AVE, SHADY SIDE, MD 20764-9553
Occupancy	Owner Occupied
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

Date	Document
Apr 2, 2026	Deed, Transfer · Conventional Mortgage EAGLE TITLE
Mar 9, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Mar 15, 2022	Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Feb 7, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2026 · Amount on File
Deed Sale	Apr 2, 2026 · Amount on File
Prior Sale	Mar 15, 2022 · Amount on File
Deed Book / Page	42226 / 283
Prior Transfer Date	Feb 4, 2020
Prior Transfer Doc	0341720112
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 2, 2026
Property Address	1176 SPRUCE AVE, SHADY SIDE, MD 20764-9553
Document Number	4222000283
Book / Page	42226 / 283
Instrument Date	Mar 31, 2026
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	EAGLE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$419,150.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1176 SPRUCE AVE, SHADY SIDE, MD 20764-9553

Mortgage

Document Number	4222000291,
Date	Apr 2, 2026
Book Page	42226/291

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1176 SPRUCE AVE, SHADY SIDE, MD 20764-9553
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0342940157
Date	Mar 9, 2020
Book Page	34294/157

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	ANNAPOLIS, MD 21409

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 28, 2035

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 15, 2022
Property Address	1176 SPRUCE AVE, SHADY SIDE, MD 20764-9553
Document Number	0384840468
Book / Page	38484 / 468
Map Reference	MB 20 PL 35
Instrument Date	Mar 8, 2022
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	NOT AVAILABLE, TITLEMAX LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,715.00
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	1176 SPRUCE AVE, SHADY SIDE, MD 20764-9553

Mortgage

Document Number	0038484474
Date	Mar 15, 2022
Instrument	38484/474

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Feb 7, 2020
Property Address	1176 SPRUCE AVE, SHADY SIDE, MD 20764-9553
Document Number	0341720112
Book / Page	034172 / 000112
Instrument Date	Feb 4, 2020
Transaction Type	Transfer
Record Updated	Feb 27, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1176 SPRUCE AVE SHADY SIDE MD 207649553, SHADY SIDE, MD 20764-9553

Tax Assessment & Valuation

The 2025 property tax bill for 1176 Spruce Ave was $4,615, up 6.8% 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		$333,400 (+7.01%) Land $131,700 Building $201,700	$333,400 (-) Land $131,700 Building $201,700
2025	$4,615.00 (+6.75%)	$311,567	$333,400 Land $131,700 Building $201,700
2024	$4,323.00 (+47.79%)
2023	$2,925.00	$267,900 Land $131,700 Building $136,200	$267,900 Land $131,700 Building $136,200

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

Flood

FEMA maps place 1176 Spruce Ave in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 250 policies
Nearby Flood Policies	250 in force
Nearby Flood Claims	200 (1979–2024)
Claims Outside the SFHA	35 of 200
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims Hurricane Isabel, Sep 2003 · 147 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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 1176 Spruce Ave is low, with a 0.02% 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	0.02% 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 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spruce Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures