Anne Arundel County property record for 1226 River Bay Rd, Annapolis, MD 21409
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,973 sqft · built 1960 |
| Lot Size | 0.503 acres (21,922 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $120,000 (Nov 1999) |
| Tax Bill | $8,151 (2024) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 03-165-26180750 |
| Primary APN | 03-165-26180750 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,973 sqft Living Area |
| Gross Area | 3,106 sqft |
| 1st Floor Area | 2,283 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 21,922 sqft (0.503 acres) |
| Porch | Enclosed Porch |
| Porch Area | 295 sqft |
| Deck Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 16526180750 |
|---|---|
| Street Address | 1226 RIVER BAY RD |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21409-4916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LTS 9 10 BK R PL 1 CAPE ST CLAIRE |
| Legal Subdivision | CAPE ST CLAIRE |
| Legal Block | R |
| Legal Lot Number | 9 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 731003 |
Source: Anne Arundel County records, as of August 13, 2025
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 | 1226 RIVER BAY RD, ANNAPOLIS, MD 21409-4916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 8, 1999 · Amount on Record |
| Deed Sale | Nov 8, 1999 · Amount on Record |
| Prior Sale | Dec 12, 1996 |
| Deed Document Number | 199915561 |
| Deed Book / Page | 9507 / 409 |
| Transfer Doc | 0095070409 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1226 RIVER BAY RD, ANNAPOLIS, MD 21409-4916 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0380880410 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 38088/410 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 1, 2041 |
Source: Anne Arundel County assessment roll, as of August 13, 2025
| 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 |
|---|---|---|---|
| 2025 | $1,251,233 (+10.54%) | $1,457,900 (+27.01%) Land $1,177,200 Building $280,700 | |
| 2024 | $8,151.00 (+12.86%) | ||
| 2023 | $7,222.00 Homeowner's exemption | $1,131,967 | $1,147,900 Land $951,600 Building $196,300 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 85% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
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