Anne Arundel County property record for 1194 River Bay Rd, Annapolis, MD 21409
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,106 sqft · built 1953 |
| Lot Size | 0.489 acres (21,280 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,208 (2025) |
| Deeds & Mortgages | Feb 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-165-25572400 |
| Primary APN | 03-165-25572400 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,106 sqft Living Area |
| 1st Floor Area | 1,698 sqft |
| Basement Area | 375 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 21,280 sqft (0.489 acres) |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 52 sqft |
| Deck Area | 317 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 16525572400 |
|---|---|
| Street Address | 1194 RIVER BAY RD |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21409-4832 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LT 309 PL C CAPE ST CLAIRE |
| Legal Subdivision | CAPE ST CLAIRE |
| Legal Block | 1 |
| Legal Lot Number | 309 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 731003 |
1194 River Bay Rd is owned and occupied by two individuals who acquired it in June 2025.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1194 RIVER BAY RD, ANNAPOLIS, MD 21409-4832 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2002 |
| Deed Sale | Oct 9, 2002 |
| Deed Document Number | 200214522 |
| Deed Book / Page | 12040 / 370 |
| Last Transfer Date | Jun 26, 2025 |
| Transfer Doc | 0414600331 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1194 RIVER BAY RD, ANNAPOLIS, MD 21409-4832 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0318190437 |
|---|---|
| Date | Feb 6, 2018 |
| Book Page | 31819/437 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | 00000 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 1194 River Bay Rd was $8,208, up 3.1% 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 | $1,417,667 (+9.15%) | $1,536,500 (-) Land $1,255,600 Building $280,900 | |
| 2025 | $8,208.00 (+3.12%) | $1,298,833 | $1,536,500 Land $1,255,600 Building $280,900 |
| 2024 | $7,960.00 (+13.36%) | ||
| 2023 | $7,022.00 Homeowner's exemption | $1,161,667 | $1,180,000 Land $1,006,700 Building $173,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1194 River Bay Rd in Zone X, an area of minimal flood risk, within 100 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 100 ft |
| 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 1194 River Bay Rd is low, with less than 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 94% of the US · lower than 89% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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 | 980 / 880 |
5G and 4G LTE (outdoors only)
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