1291 Virginia St, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 1291 Virginia St, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,656 sqft · built 1974
Lot Size	0.254 acres (11,060 sqft)
Owner	2 Individual Names on Record
Last Sale	$630,000 (Apr 2022)
Tax Bill	$7,918 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000-00697500`

Property Details

APN / Parcel Number

Primary APN	`06-000-00697500`
Alternative APNs	`6-000-00697500` `00000697500`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,656 sqft Living Area
Gross Area	1,932 sqft
1st Floor Area	840 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,060 sqft (0.254 acres)
Garage Type	Attached
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Deck Area	144 sqft
Patio Area	450 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00000697500
Street Address	1291 VIRGINIA ST
City	ANNAPOLIS
State	MD
Zip	21401-3650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 108 A ANNAPOLIS
Legal Subdivision	ANNAPOLIS
Legal Block	2
Legal Lot Number	108A
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2003
Census Tract	706500

Owner

Source: Anne Arundel County records, as of September 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1291 VIRGINIA ST, ANNAPOLIS, MD 21401-3650
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOWER FCU
Apr 1, 2022	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Prior Sale	Dec 15, 2015 · Amount on Record
Deed Book / Page	38548 / 206
Prior Transfer Date	Jul 22, 2008
Prior Transfer Doc	0203320483
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1291 VIRGINIA ST, ANNAPOLIS, MD 21401-3650
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1291 VIRGINIA ST, ANNAPOLIS, MD 21401-3650

Mortgage

Document Number	0396420422
Date	May 10, 2023
Book Page	39642/422

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 19, 2038

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 1, 2022
Property Address	1291 VIRGINIA ST, ANNAPOLIS, MD 21401-3650
Document Number	0385480206
Book / Page	38548 / 206
Map Reference	LB 2678 FO 497
Instrument Date	Mar 4, 2022
Transaction Type	Transfer
Record Updated	Apr 19, 2022
Title Company	MID-MARYLAND TITLE COMPANY INC, MID MARYLAND TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,875.00
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	1291 VIRGINIA ST, ANNAPOLIS, MD 21401-3650

Mortgage

Document Number	0038548212
Date	Apr 1, 2022
Instrument	38548/212

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Anne Arundel County
Municipality	Annapolis City
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$595,200 (+7.72%) Land $383,500 Building $211,700	$595,200 (-) Land $383,500 Building $211,700
2025	$7,918.00 (+8.07%)	$552,567 (+18.25%)	$595,200 (+27.37%) Land $383,500 Building $211,700
2024	$7,327.00 (+9.2%)
2023	$6,710.00	$467,300 Land $330,000 Building $137,300	$467,300 Land $330,000 Building $137,300

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 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · rainfall accumulation

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ANNAPOLIS serves 35,000 people · EPA ID MD0020001
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	6 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 320 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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