1292 Spa Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1292 Spa Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,272 sqft · built 2013
Lot Size	0.77 acres (33,541 sqft)
Owner	Individual Name on Record
Last Sale	$1,670,000 (May 2026)
Tax Bill	$11,357 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-000-90231498`

Property Details

APN / Parcel Number

Primary APN	`06-000-90231498`
Alternative APNs	`6-000-90231498` `00090231498`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,272 sqft Living Area
Gross Area	4,856 sqft
1st Floor Area	1,756 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	33,541 sqft (0.77 acres)
Garage Type	Attached
Garage Area	584 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	576 sqft
Porch	Open Porch
Porch Area	560 sqft
Bath House	962 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	00090231498
Street Address	1292 SPA RD
City	ANNAPOLIS
State	MD
Zip	21403-1014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 2R OR 0.7774 AC PONY CLUB ESTATES
Legal Subdivision	PONY CLUB ESTATES
Legal Block	4
Legal Lot Number	2R
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4017
Census Tract	702500

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	Individual Name on Record
Mailing Address	1292 SPA RD, ANNAPOLIS, MD 21403-1014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Special Warranty Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORPORATION
May 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage KEYSTONE FUNDING INC
Feb 25, 2022	Intrafamily Transfer, Transfer
Dec 29, 2017	Deed of Trust, Mortgage · Conventional with PMI CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Dec 12, 2011 · Amount on Record
Deed Book / Page	42360 / 474
Prior Transfer Date	Feb 17, 2022
Prior Transfer Doc	0384030256
Record Updated	Oct 29, 2026

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 18, 2026
Property Address	1292 SPA RD, ANNAPOLIS, MD 21403-1014
Document Number	4236000474
Book / Page	42360 / 474
Instrument Date	May 1, 2026
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	MANOR TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,686,700.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1292 SPA RD, ANNAPOLIS, MD 21403-1014

Mortgage

Document Number	4236000484,
Date	May 18, 2026
Book Page	42360/484

Lender

Name	FIRST HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1292 SPA RD, ANNAPOLIS, MD 21403-1014
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	REALTY TITLE INC, REALTY TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0368720274
Date	May 29, 2021
Book Page	36872/274

Lender

Name	KEYSTONE FUNDING INC
Type	Mortgage Company
Address	DOVER, DE 19901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Feb 25, 2022
Property Address	1292 SPA RD, ANNAPOLIS, MD 21403-1014
Document Number	0384030256
Book / Page	38403 / 256
Map Reference	MB 303 PG 27
Instrument Date	Feb 17, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1292 SPA RD, ANNAPOLIS, MD 21403-1014

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1292 SPA RD, ANNAPOLIS, MD 21403-1014
Document Number	0317620268
Book / Page	031762 / 000268
Instrument Date	Dec 29, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2018
Title Company	ADVANTAGE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1292 SPA RD ANNAPOLIS MD 214031014, ANNAPOLIS, MD 21403-1014

Mortgage

Document Number	0317620268
Date	Jan 18, 2018
Book Page	031762/000268

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28773

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jan 17, 2033

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		$915,400 (+5.9%) Land $277,700 Building $637,700	$915,400 (-) Land $277,700 Building $637,700
2025	$11,357.00 (+4.46%) Homeowner's exemption	$864,433 (+13.37%)	$915,400 (+20.05%) Land $277,700 Building $637,700
2024	$10,872.00 (+4.99%)
2023	$10,355.00 Homeowner's exemption	$762,500 Land $277,700 Building $484,800	$762,500 Land $277,700 Building $484,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	11 (1996–2013)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Jul 2013 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 6 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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