Anne Arundel County property record for 12 Locust Ave, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,864 sqft · built 1936 |
| Lot Size | 0.34 acres (14,800 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $613,500 (Oct 2021) |
| Tax Bill | $8,408 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Aug 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-90035433 |
| Primary APN | 06-000-90035433 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,864 sqft Living Area |
| 1st Floor Area | 1,024 sqft |
| Utility Area | 420 sqft |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1936 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 14,800 sqft (0.34 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 488 sqft |
| Deck Area | 224 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00090035433 |
|---|---|
| Street Address | 12 LOCUST AVE |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-3326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LTS 9 10 BK A ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | A |
| Legal Lot Number | 9 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 706600 |
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 Company Names on Record |
|---|---|
| Mailing Address | 12 LOCUST AVE, ANNAPOLIS, MD 21401-3326 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Oct 21, 2021 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Aug 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Jul 9, 2021 | Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Jun 2, 2017 | Deed of Trust, Mortgage · Line of Credit CAPITAL ONE NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2021 · Amount on Record |
| Deed Sale | Oct 21, 2021 · Amount on Record |
| Prior Sale | Jul 9, 2021 · Amount on Record |
| Deed Book / Page | 37754 / 226 |
| Last Transfer Date | Mar 11, 2025 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Oct 21, 2021 |
| Property Address | 12 LOCUST AVE, ANNAPOLIS, MD 21401-3326 |
| Document Number | 0377540226 |
| Book / Page | 37754 / 226 |
| Map Reference | MB 15 FO 46 |
| Instrument Date | Oct 1, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2021 |
| Title Company | NOT AVAILABLE, EAGLE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,202.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12 LOCUST AVE, ANNAPOLIS, MD 21401-3326 |
| Document Number | 37754234 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 37754/234 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 12 LOCUST AVE, ANNAPOLIS, MD 21401-3326 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0373100116 |
|---|---|
| Date | Aug 4, 2021 |
| Book Page | 37310/116 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jul 9, 2021 |
| Property Address | 12 LOCUST AVE, ANNAPOLIS, MD 21401-3326 |
| Document Number | 0371600353 |
| Book / Page | 37160 / 353 |
| Map Reference | MB 15 FO 46 |
| Instrument Date | Jun 24, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2021 |
| Title Company | NOT AVAILABLE, EAGLE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 12 LOCUST AVE, ANNAPOLIS, MD 21401-3326 |
| Document Number | 37160361 |
|---|---|
| Date | Jul 9, 2021 |
| Instrument | 37160/361 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 12 LOCUST AVE, ANNAPOLIS, MD 21401-3326 |
| Document Number | 0312840341 |
| Book / Page | 031284 / 000341 |
| Instrument Date | Jun 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2017 |
| Name | Verified Name |
|---|---|
| Address | 12 LOCUST AVE ANNAPOLIS MD 214013326, ANNAPOLIS, MD 21401-3326 |
| Document Number | 0312840341 |
|---|---|
| Date | Aug 24, 2017 |
| Book Page | 031284/000341 |
| Name | CAPITAL ONE NA |
|---|---|
| Type | Bank |
| Address | PLANO, TX 75024 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 23, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Municipality | Annapolis City |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $719,600 (+38.68%) Land $401,300 Building $318,300 | $719,600 (+38.68%) Land $401,300 Building $318,300 | |
| 2025 | $8,408.00 (+13.96%) | ||
| 2023 | $7,378.00 Homeowner's exemption | $518,900 Land $345,900 Building $173,000 | $518,900 Land $345,900 Building $173,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (2013–2017) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jul 2017 · rainfall accumulation |
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.
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 | 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 | CITY OF ANNAPOLIS serves 35,000 people · EPA ID MD0020001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | 6 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 575 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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