1243 Cherry Tree Ln, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1243 Cherry Tree Ln, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,444 sqft · built 1993
Lot Size	0.518 acres (22,544 sqft)
Owner	2 Individual Names on File
Last Sale	$1,700,000 (Aug 2004)
Tax Bill	$15,142 (2025)
Deeds & Mortgages	Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-257-90059550`

Property Details

APN / Parcel Number

Primary APN	`02-257-90059550`
Alternative APNs	`225790059550` `25790059550`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,444 sqft Living Area
Gross Area	5,272 sqft
1st Floor Area	1,875 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	22,544 sqft (0.518 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	828 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	459 sqft
Deck Area	736 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	25790059550
Street Address	1243 CHERRY TREE LN
City	ANNAPOLIS
State	MD
Zip	21403-5023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 21 PL 9 FISHING CREEK FARM
Legal Subdivision	FISHING CREEK FARM
Legal Block	1
Legal Lot Number	21
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1004
Census Tract	702602

Owner

1243 Cherry Tree Ln is owned and occupied by two individuals who bought it in August 2004.

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 File
Mailing Address	1243 CHERRY TREE LN, ANNAPOLIS, MD 21403-5023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2004 · Amount on File
Deed Sale	Aug 5, 2004 · Amount on File
Prior Sale	Oct 9, 2002 · Amount on File
Deed Document Number	200411924
Deed Book / Page	15199 / 647
Transfer Doc	0000009404
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1243 CHERRY TREE LN, ANNAPOLIS, MD 21403-5023
Document Number	0324210034
Instrument Date	Jul 17, 2018
Transaction Type	Mortgage
Record Updated	Sep 7, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1243 CHERRY TREE LN ANNAPOLIS MD 214035023, ANNAPOLIS, MD 21403-5023

Mortgage

Document Number	0324210034
Date	Aug 24, 2018
Book Page	032421/000034

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1243 Cherry Tree Ln was $15,142 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		$1,767,900 Land $1,056,600 Building $711,300	$1,767,900 Land $1,056,600 Building $711,300
2025	$15,142.00
2023	$13,856.00 Homeowner's exemption	$1,268,900 Land $786,600 Building $482,300	$1,268,900 Land $786,600 Building $482,300

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

Flood

FEMA maps place 1243 Cherry Tree Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 265 policies
Nearby Flood Policies	265 in force
Nearby Flood Claims	76 (1978–2024)
Claims Outside the SFHA	24 of 76
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 36 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 1243 Cherry Tree Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

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