1227 Spruce Ave, Shady Side, MD 20764 Property Records

Anne Arundel County property record for 1227 Spruce Ave, Shady Side, MD 20764

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,632 sqft · built 2005
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$299,900 (Oct 2019)
Tax Bill	$5,048 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`07-155-03820720`

Property Details

APN / Parcel Number

Primary APN	`07-155-03820720`
Alternative APNs	`715503820720` `15503820720`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,632 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Porch	Open Porch
Porch Area	192 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	15503820720
Street Address	1227 SPRUCE AVE
City	SHADY SIDE
State	MD
Zip	20764-9562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 14 BK 1 CEDARHURST ON THE BAY
Legal Subdivision	CEDARHURST ON THE BAY
Legal Block	1
Legal Lot Number	14
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2019
Census Tract	707001

Owner

Source: Anne Arundel County records, as of September 8, 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	1227 SPRUCE AVE, SHADY SIDE, MD 20764-9562
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2019 · Amount on Record
Deed Sale	Oct 9, 2019 · Amount on Record
Prior Sale	Jun 19, 2002 · Amount on Record
Deed Book / Page	33683 / 469
Record Updated	Oct 29, 2026

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 9, 2019
Property Address	1227 SPRUCE AVE, SHADY SIDE, MD 20764-9562
Document Number	0336830469
Book / Page	033683 / 000469
Instrument Date	Oct 1, 2019
Transaction Type	Transfer
Record Updated	Oct 31, 2019
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$299.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1227 SPRUCE AVE SHADY SIDE MD 207649562, SHADY SIDE, MD 20764-9562

Mortgage

Document Number	336830476
Date	Oct 9, 2019
Book Page	033683/000476

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 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		$383,800 (+16.02%) Land $131,700 Building $252,100	$383,800 (+16.02%) Land $131,700 Building $252,100
2025	$5,048.00 (+42.36%)
2023	$3,546.00 Homeowner's exemption	$330,800 Land $131,700 Building $199,100	$330,800 Land $131,700 Building $199,100

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	5.0 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	0.01% 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