132 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 132 E Lake Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,841 sqft · built 1978
Lot Size	0.439 acres (19,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,100,000 (Jan 2020)
Tax Bill	$28,810 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-047-09348105`

Property Details

APN / Parcel Number

Primary APN	`02-047-09348105`
Alternative APNs	`204709348105` `04709348105`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,841 sqft Living Area
Gross Area	3,825 sqft
1st Floor Area	1,923 sqft
Basement Area	918 sqft
Finished Basement	918 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,100 sqft (0.439 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Enclosed Porch
Porch Area	429 sqft
Deck Area	353 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	04709348105
Street Address	132 E LAKE DR
City	ANNAPOLIS
State	MD
Zip	21403-4415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PT LT 7 SC 7 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	7
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4002
Census Tract	702602

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	132 E LAKE DR, ANNAPOLIS, MD 21403-4415
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jan 16, 2020	Grant Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2020 · Amount on Record
Deed Sale	Jan 16, 2020 · Amount on Record
Prior Sale	Mar 28, 2011 · Amount on Record
Deed Book / Page	34085 / 91
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	132 E LAKE DR, ANNAPOLIS, MD 21403-4415
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0318470183
Date	Feb 15, 2018
Book Page	31847/183

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jan 16, 2020
Property Address	132 E LAKE DR, ANNAPOLIS, MD 21403-4415
Document Number	0340850091
Book / Page	034085 / 000091
Instrument Date	Jan 8, 2020
Transaction Type	Transfer
Record Updated	Feb 10, 2020
Title Company	TITLE NATION LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	132 E LAKE DR ANNAPOLIS MD 214034415, ANNAPOLIS, MD 21403-4415

Mortgage

Document Number	340850097
Date	Jan 16, 2020
Book Page	034085/000097

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%

Tax Assessment & Valuation

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		$2,913,200 (+81.35%) Land $2,541,200 Building $372,000	$2,913,200 (+81.35%) Land $2,541,200 Building $372,000
2025	$28,810.00 (+64.24%)
2023	$17,541.00	$1,606,400 Land $1,326,000 Building $280,400	$1,606,400 Land $1,326,000 Building $280,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	7 (2003–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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