123 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 123 E Lake Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,326 sqft · built 1973
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,600,000 (Jun 2023)
Tax Bill	$11,822 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-047-07950606`

Property Details

APN / Parcel Number

Primary APN	`02-047-07950606`
Alternative APNs	`204707950606` `04707950606`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,326 sqft Living Area
Gross Area	3,058 sqft
1st Floor Area	1,182 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	256 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	04707950606
Street Address	123 E LAKE DR
City	ANNAPOLIS
State	MD
Zip	21403-4444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 20R SC 11 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	20R
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4008
Census Tract	702602

Owner

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 Individual Names on Record
Mailing Address	123 E LAKE DR, ANNAPOLIS, MD 21403-4444
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2023	Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Mar 28, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Feb 8, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2023 · Amount on Record
Deed Sale	Jun 5, 2023 · Amount on Record
Prior Sale	Jul 5, 2007 · Amount on Record
Deed Book / Page	39700 / 37
Record Updated	Oct 29, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 5, 2023
Property Address	123 E LAKE DR, ANNAPOLIS, MD 21403-4444
Document Number	0397000037
Book / Page	39700 / 37
Map Reference	LB 4261 FO 349
Instrument Date	Jun 1, 2023
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	EAGLE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,000.00
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	123 E LAKE DR, ANNAPOLIS, MD 21403-4444

Mortgage

Document Number	0003970047
Date	Jun 5, 2023
Instrument	39700/47

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	123 E LAKE DR, ANNAPOLIS, MD 21403-4444
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0307690104
Date	Mar 28, 2017
Book Page	30769/104
Instrument	30769-104

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 8, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	123 E LAKE DR, ANNAPOLIS, MD 21403-4444
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0328670380
Date	Feb 8, 2019
Book Page	32867/380

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	BALTIMORE, MD 21202

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	263 Months
Due	Jan 25, 2041

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		$1,184,600 (+33.22%) Land $902,100 Building $282,500	$1,184,600 (+33.22%) Land $902,100 Building $282,500
2025	$11,822.00 (+21.75%)
2023	$9,710.00	$889,200 Land $675,800 Building $213,400	$889,200 Land $675,800 Building $213,400

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	7 (2003–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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 96% of the US · lower than 92% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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