1304 Harbor Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1304 Harbor Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,486 sqft · built 1986
Lot Size	0.654 acres (28,500 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Mar 2015)
Tax Bill	$9,648 (2025)
Deeds & Mortgages	Oct 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`02-597-09458702`

Property Details

APN / Parcel Number

Primary APN	`02-597-09458702`
Alternative APNs	`259709458702` `59709458702`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,486 sqft Living Area
1st Floor Area	966 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	28,500 sqft (0.654 acres)
View / Lot	Waterfront
Porch	Open Porch
Porch Area	136 sqft
Deck Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	59709458702
Street Address	1304 HARBOR RD
City	ANNAPOLIS
State	MD
Zip	21403-4719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 43 BK 15 PL 3 OYSTER HARBOR
Legal Subdivision	OYSTER HARBOR
Legal Block	15
Legal Lot Number	43
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1008
Census Tract	702602

Owner

1304 Harbor Rd is owned and occupied by two individuals who bought it in March 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	1304 HARBOR RD, ANNAPOLIS, MD 21403-4719
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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	Mar 4, 2015 · Amount on File
Deed Sale	Mar 4, 2015 · Amount on File
Prior Sale	Mar 11, 2014 · Amount on File
Deed Book / Page	28115 / 158
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1304 HARBOR RD, ANNAPOLIS, MD 21403-4719
Document Number	0317670376
Book / Page	031767 / 000376
Instrument Date	Oct 6, 2017
Transaction Type	Mortgage
Record Updated	Feb 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1304 HARBOR RD ANNAPOLIS MD 214034719, ANNAPOLIS, MD 21403-4719

Mortgage

Document Number	0317670376
Date	Jan 19, 2018
Book Page	031767/000376

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 18, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 1304 Harbor Rd was $9,648 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		$737,300 Land $503,600 Building $233,700	$737,300 Land $503,600 Building $233,700
2025	$9,648.00
2023	$6,916.00 Homeowner's exemption	$656,800 Land $480,600 Building $176,200	$656,800 Land $480,600 Building $176,200

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

Flood

FEMA maps place 1304 Harbor Rd in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 1304 Harbor Rd is low, with less than 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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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