123 Gardner Dr, Annapolis, MD 21403 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,484 sqft · built 1962
Lot Size	0.325 acres (14,175 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Feb 2017)
Tax Bill	$5,366 (2025)
Deeds & Mortgages	Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-412-02469500`

Property Details

APN / Parcel Number

Primary APN	`02-412-02469500`
Alternative APNs	`241202469500` `41202469500`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,484 sqft Living Area
1st Floor Area	956 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Split Level
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	14,175 sqft (0.325 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	196 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	41202469500
Street Address	123 GARDNER DR
City	ANNAPOLIS
State	MD
Zip	21403-3708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 3 BK JJ SC 3 PL 1 HILLSMERE ESTATES
Legal Subdivision	HILLSMERE ESTATES
Legal Block	JJ
Legal Lot Number	3
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1027
Census Tract	702601

Owner

123 Gardner Dr is owned and occupied by two individuals who bought it in February 2017.

Source: Anne Arundel County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	123 GARDNER DR, ANNAPOLIS, MD 21403-3708
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2017 · Amount on File
Deed Sale	Feb 28, 2017 · Amount on File
Prior Sale	Aug 20, 2003 · Amount on File
Deed Document Number	201730683-167
Deed Book / Page	30683 / 167
Record Updated	Oct 29, 2026

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Feb 28, 2017
Property Address	123 GARDNER DR, ANNAPOLIS, MD 21403-3708
Document Number	0306830167
Book / Page	30683 / 167
Map Reference	MB25 PG7
Instrument Date	Feb 24, 2017
Instrument	30683-167
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	MID MARYLAND TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	00000

Mortgage

Document Number	30683172
Date	Feb 28, 2017
Instrument	30683-172

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 123 Gardner Dr was $5,366 with a homeowner's exemption.

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		$455,500 Land $250,500 Building $205,000	$455,500 Land $250,500 Building $205,000
2025	$5,366.00
2023	$4,379.00 Homeowner's exemption	$412,500 Land $250,500 Building $162,000	$412,500 Land $250,500 Building $162,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 123 Gardner Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	7 (1979–2014)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Aug 2014 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 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

Wildfire risk around 123 Gardner Dr is low, with a 0.01% annual chance of 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 233 locations within half a mile, as of December 31, 2025

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