1191 Spruce Ave, Shady Side, MD 20764 Property Records

Anne Arundel County property record for 1191 Spruce Ave, Shady Side, MD 20764

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,296 sqft · built 1989
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (May 2026)
Tax Bill	$4,645 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`07-155-90060098`

Property Details

APN / Parcel Number

Primary APN	`07-155-90060098`
Alternative APNs	`7-155-90060098` `15590060098`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,296 sqft Living Area
1st Floor Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Deck Area	200 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	15590060098
Street Address	1191 SPRUCE AVE
City	SHADY SIDE
State	MD
Zip	20764-9556
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 15R BK 20 CEDARHURST ON THE BAY
Legal Subdivision	CEDARHURST ON THE BAY
Legal Block	20
Legal Lot Number	15R
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2004
Census Tract	707001

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	Individual Name on Record
Mailing Address	1191 SPRUCE AVE, SHADY SIDE, MD 20764-9556
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Nov 18, 2021	Deed, Transfer · VA Mortgage FIRST HOME MORTGAGE CORP
May 29, 2019	Deed of Trust, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2026 · Amount on Record
Deed Sale	May 27, 2026 · Amount on Record
Prior Sale	Nov 18, 2021 · Amount on Record
Deed Book / Page	42383 / 28
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 27, 2026
Property Address	1191 SPRUCE AVE, SHADY SIDE, MD 20764-9556
Document Number	4238000028
Book / Page	42383 / 28
Instrument Date	May 15, 2026
Transaction Type	Transfer
Record Updated	Jun 12, 2026
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$404,000.00
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	Joint Tenants
Address	1191 SPRUCE AVE, SHADY SIDE, MD 20764-9556

Mortgage

Document Number	4238000039,
Date	May 27, 2026
Book Page	42383/39

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 18, 2021
Property Address	1191 SPRUCE AVE, SHADY SIDE, MD 20764-9556
Document Number	0379360479
Book / Page	37936 / 479
Map Reference	LB 4571 FO 137
Instrument Date	Oct 4, 2021
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	EAGLE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,937.50
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	1191 SPRUCE AVE, SHADY SIDE, MD 20764-9556

Mortgage

Document Number	37936488
Date	Nov 18, 2021
Instrument	37936/488

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

May 2019: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1191 SPRUCE AVE, SHADY SIDE, MD 20764-9556
Document Number	0336540094
Instrument Date	May 29, 2019
Transaction Type	Transfer
Record Updated	Oct 28, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1191 SPRUCE AVE SHADY SIDE MD 207649556, SHADY SIDE, MD 20764-9556

Mortgage

Document Number	0336540094
Date	Oct 2, 2019
Book Page	033654/000094

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

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		$331,900 (+5.73%) Land $136,100 Building $195,800	$331,900 (-) Land $136,100 Building $195,800
2025	$4,645.00 (+5.45%)	$313,900 (+12.95%)	$331,900 (+19.43%) Land $136,100 Building $195,800
2024	$4,405.00 (+45.19%)
2023	$3,034.00	$277,900 Land $136,100 Building $141,800	$277,900 Land $136,100 Building $141,800

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

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