124 Spruce Ln, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 124 Spruce Ln, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,560 sqft · built 1956
Lot Size	0.265 acres (11,550 sqft)
Owner	2 Individual Names on Record
Last Sale	$557,500 (Mar 2024)
Tax Bill	$5,668 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-412-03410403`

Property Details

APN / Parcel Number

Primary APN	`02-412-03410403`
Alternative APNs	`241203410403` `41203410403`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	11,550 sqft (0.265 acres)
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Deck Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	41203410403
Street Address	124 SPRUCE LN
City	ANNAPOLIS
State	MD
Zip	21403-4019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 22 BK K SC 2 PL 2 HILLSMERE ESTATES
Legal Subdivision	HILLSMERE ESTATES
Legal Block	K
Legal Lot Number	22
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1009
Census Tract	702601

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	124 SPRUCE LN, ANNAPOLIS, MD 21403-4019
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2024 · Amount on Record
Deed Sale	Mar 15, 2024 · Amount on Record
Prior Sale	Jun 5, 2009 · Amount on Record
Deed Book / Page	40302 / 39
Record Updated	Oct 29, 2026

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 15, 2024
Property Address	124 SPRUCE LN, ANNAPOLIS, MD 21403-4019
Document Number	0403020039
Book / Page	40302 / 39
Map Reference	MB 23 FO 47
Instrument Date	Feb 29, 2024
Transaction Type	Transfer
Record Updated	Apr 2, 2024
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.75
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	124 SPRUCE LN, ANNAPOLIS, MD 21403-4019

Mortgage

Document Number	0004030247
Date	Mar 15, 2024
Instrument	40302/47

Lender

Name	XPERT HOME LENDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

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		$473,600 (+20.97%) Land $242,600 Building $231,000	$473,600 (+20.97%) Land $242,600 Building $231,000
2025	$5,668.00 (+32.58%)
2023	$4,275.00	$391,500 Land $242,600 Building $148,900	$391,500 Land $242,600 Building $148,900

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20