1181 Buckingham Rd, Arnold, MD 21012 Property Records

Anne Arundel County property record for 1181 Buckingham Rd, Arnold, MD 21012

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 5,094 sqft · built 2023
Lot Size	1.43 acres (62,291 sqft)
Owner	2 Individual Names on File
Last Sale	$538,000 (Dec 2020)
Tax Bill	$12,326 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Nov 2021 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-717-22209360`

Property Details

APN / Parcel Number

Primary APN	`03-717-22209360`
Alternative APNs	`371722209360` `71722209360`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,094 sqft Living Area
Gross Area	5,666 sqft
1st Floor Area	1,726 sqft
Basement Area	1,380 sqft
Finished Basement	1,380 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	62,291 sqft
View / Lot	Waterfront
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	468 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	71722209360
Street Address	1181 BUCKINGHAM RD
City	ARNOLD
State	MD
Zip	21012-2122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 15 OR 1.44 ACRES RUGBY HALL ESTATES
Legal Subdivision	RUGBY HALL ESTATES
Legal Block	1
Legal Lot Number	15
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	1
Census Block	1009
Census Tract	730800

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1181 BUCKINGHAM RD, ARNOLD, MD 21012-2122
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC
Nov 5, 2021	Deed of Trust, Mortgage · Construction Mortgage WESBANCO BANK INC
Dec 8, 2020	Deed, Transfer · Conventional Mortgage SEVERN SAVINGS BANK FSB
Nov 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2020 · Amount on File
Deed Sale	Dec 8, 2020 · Amount on File
Deed Book / Page	35754 / 457
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1181 BUCKINGHAM RD, ARNOLD, MD 21012-2122
Transaction Type	Mortgage
Record Updated	Dec 14, 2023
Title Company	COUNSEL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1181 BUCKINGHAM RD, ARNOLD, MD 21012-2122

Mortgage

Document Number	0400830090
Date	Nov 27, 2023
Book Page	40083/90

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1181 BUCKINGHAM RD, ARNOLD, MD 21012-2122
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	NOT AVAILABLE, EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1690 NICKERSON WAY, ARNOLD, MD 21012-2565

Mortgage

Document Number	0378610148
Date	Nov 5, 2021
Book Page	37861/148

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	WHEELING, WV 26003

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Nov 1, 2036
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.37%
Index	1-Year CMT
Margin	3
Max Rate	7.37%

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Dec 8, 2020
Property Address	1181 BUCKINGHAM RD, ARNOLD, MD 21012-2122
Document Number	0357540457
Book / Page	35754 / 457
Instrument Date	Nov 30, 2020
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	EAGLE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,070.00
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	1181 BUCKINGHAM RD, ARNOLD, MD 21012-2122

Mortgage

Document Number	0035754464
Date	Dec 8, 2020
Instrument	35754/464

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	8.5%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1181 BUCKINGHAM RD, ARNOLD, MD 21012-2122
Document Number	0315660364
Book / Page	031566 / 000364
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1181 BUCKINGHAM RD ARNOLD MD 210122122, ARNOLD, MD 21012-2122

Mortgage

Document Number	0315660364
Date	Nov 15, 2017
Book Page	031566/000364

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2047

Interest

Rate Type	Adjustable Rate

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		$1,314,300 (+26.93%)	$1,442,300 (+36.28%) Land $489,300 Building $953,000
2025	$12,326.00 (+9.26%)
2023	$11,281.00 Homeowner's exemption	$1,035,433	$1,058,300 Land $389,300 Building $669,000

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	10 (1979–2012)
Claims Outside the SFHA	8 of 10
Most Recent Claim	Jul 2012 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 3 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 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

May also be available: Believe Broadband.

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