Anne Arundel County property record for 1316 Harbor Rd, Annapolis, MD 21403
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,700 sqft · built 1987 |
| Lot Size | 0.887 acres (38,655 sqft) |
| Owner | Individual Name on File |
| Last Sale | $164,000 (Sep 1988) |
| Tax Bill | $5,734 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 02-597-90050760 |
| Primary APN | 02-597-90050760 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,700 sqft Living Area |
| 1st Floor Area | 920 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 38,655 sqft (0.887 acres) |
| View / Lot | Waterfront |
| Porch | Open Porch |
| Porch Area | 240 sqft |
| Deck Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 59790050760 |
|---|---|
| Street Address | 1316 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 37 BK 15 PL 3 OYSTER HARBOR |
| Legal Subdivision | OYSTER HARBOR |
| Legal Block | 15 |
| Legal Lot Number | 37 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 702602 |
1316 Harbor Rd is owned and occupied by an individual who bought it in September 1988.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1316 HARBOR RD, ANNAPOLIS, MD 21403-4719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 1988 · Amount on File |
| Deed Sale | Sep 12, 1988 · Amount on File |
| Deed Book / Page | 4718 / 880 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1316 Harbor Rd was $5,734 with a homeowner's exemption.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $572,800 Land $292,600 Building $280,200 | $572,800 Land $292,600 Building $280,200 | |
| 2025 | $5,734.00 | ||
| 2023 | $3,567.00 Homeowner's exemption | $451,900 Land $267,600 Building $184,300 | $451,900 Land $267,600 Building $184,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1316 Harbor Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 risk around 1316 Harbor Rd is low, with 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 96% of the US · lower than 92% 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.
Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
5G and 4G LTE (outdoors only)
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