119 Gardner Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 119 Gardner Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,451 sqft · built 1970
Lot Size	0.372 acres (16,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Dec 2003)
Tax Bill	$4,227 (2025)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-412-09314500`

Property Details

APN / Parcel Number

Primary APN	`02-412-09314500`
Alternative APNs	`241209314500` `41209314500`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,451 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	275 sqft
Finished Basement	275 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	16,200 sqft (0.372 acres)
Porch	Open Porch
Porch Area	104 sqft
Deck Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	41209314500
Street Address	119 GARDNER DR
City	ANNAPOLIS
State	MD
Zip	21403-3708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 5 BK JJ SC 3 PL 1 HILLSMERE ESTATES
Legal Subdivision	HILLSMERE ESTATES
Legal Block	JJ
Legal Lot Number	5
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1027
Census Tract	702601

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	119 GARDNER DR, ANNAPOLIS, MD 21403-3708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2003 · Amount on Record
Deed Sale	Dec 5, 2003 · Amount on Record
Deed Document Number	200318255
Deed Book / Page	14158 / 534
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	119 GARDNER DR, ANNAPOLIS, MD 21403-3708
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 GARDNER DR, ANNAPOLIS, MD 21403-3708

Mortgage

Document Number	0383610003
Date	Feb 15, 2022
Book Page	38361/3

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

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		$441,800 (+9.19%) Land $256,600 Building $185,200	$441,800 (+9.19%) Land $256,600 Building $185,200
2025	$4,227.00 (+28.68%)
2023	$3,285.00 Homeowner's exemption	$404,600 Land $256,600 Building $148,000	$404,600 Land $256,600 Building $148,000

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 Record 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880