1223 Cherry Tree Ln, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1223 Cherry Tree Ln, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,264 sqft · built 1998
Lot Size	0.459 acres (20,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,100,000 (Feb 2026)
Tax Bill	$15,707 (2025)
Deeds & Mortgages	Feb 2026 Sale May 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`02-257-90059540`

Property Details

APN / Parcel Number

Primary APN	`02-257-90059540`
Alternative APNs	`2-257-90059540` `25790059540`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,264 sqft Living Area
Gross Area	5,542 sqft
1st Floor Area	1,744 sqft
Attic	Attic
Attic Area	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	20,001 sqft (0.459 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,050 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	228 sqft
Deck Area	330 sqft
Patio Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	25790059540
Street Address	1223 CHERRY TREE LN
City	ANNAPOLIS
State	MD
Zip	21403-5023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 12 PL 8 FISHING CREEK FARM
Legal Subdivision	FISHING CREEK FARM
Legal Block	1
Legal Lot Number	12
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1004
Census Tract	702602

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	1223 CHERRY TREE LN, ANNAPOLIS, MD 21403-5023
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed, Transfer EAGLE TITLE
May 31, 2019	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Apr 8, 2022	Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2026 · Amount on Record
Deed Sale	Feb 13, 2026 · Amount on Record
Prior Sale	Apr 8, 2022 · Amount on Record
Deed Book / Page	42079 / 233
Prior Transfer Date	Aug 1, 2005
Prior Transfer Doc	0173880192
Record Updated	Oct 29, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Feb 13, 2026
Property Address	1223 CHERRY TREE LN, ANNAPOLIS, MD 21403-5023
Document Number	0420790233
Book / Page	42079 / 233
Map Reference	MB 110 FO 2
Instrument Date	Feb 12, 2026
Transaction Type	Transfer
Record Updated	Mar 4, 2026
Title Company	EAGLE TITLE

Transaction

Amount	Amount Recorded
Tax	$7,750.00
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 in Common
Address	1223 CHERRY TREE LN, ANNAPOLIS, MD 21403-5023

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1223 CHERRY TREE LN, ANNAPOLIS, MD 21403-5023
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0331870480
Date	May 31, 2019
Book Page	33187/480

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 8, 2022
Property Address	1223 CHERRY TREE LN, ANNAPOLIS, MD 21403-5023
Document Number	0385820026
Book / Page	38582 / 26
Map Reference	MB 110 FO 2
Instrument Date	Apr 5, 2022
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	CROWN TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27,780.00
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	1223 CHERRY TREE LN, ANNAPOLIS, MD 21403-5023

Mortgage

Document Number	0003858234
Date	Apr 8, 2022
Instrument	38582/34

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Mortgage

Document Number	0385820054
Date	Apr 8, 2022
Book Page	38582/54

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,907,200 (+11.48%) Land $1,056,000 Building $851,200	$1,907,200 (-) Land $1,056,000 Building $851,200
2025	$15,707.00 (+2.39%) Homeowner's exemption	$1,710,800 (+29.8%)	$1,907,200 (+44.7%) Land $1,056,000 Building $851,200
2024	$15,341.00 (+6.59%)
2023	$14,392.00 Homeowner's exemption	$1,318,000 Land $786,000 Building $532,000	$1,318,000 Land $786,000 Building $532,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 265 policies
Nearby Flood Policies	265 in force
Nearby Flood Claims	76 (1978–2024)
Claims Outside the SFHA	24 of 76
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 36 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 99.1% of the US · lower than 98.5% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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