1320 Harbor Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1320 Harbor Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,816 sqft · built 1987
Lot Size	0.669 acres (29,145 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (May 2020)
Tax Bill	$4,957 (2023)
Deeds & Mortgages	Nov 2021 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`02-597-03143700`

Property Details

APN / Parcel Number

Primary APN	`02-597-03143700`
Alternative APNs	`259703143700` `59703143700`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,816 sqft Total Area
1st Floor Area	720 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	29,145 sqft (0.669 acres)
Porch	Open Porch
Porch Area	120 sqft
Deck Area	732 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	59703143700
Old Parcel Number	259703143700
Street Address	1320 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 35 BK 15 PL 3 1320 HARBOR RD OYSTER HARBOR
Legal Subdivision	OYSTER HARBOR
Legal Block	15
Legal Lot Number	35
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1008
Census Tract	702602

Owner

Source: Anne Arundel County records, as of September 25, 2023

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	1320 HARBOR RD, ANNAPOLIS, MD 21403-4719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 21, 2020	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2020 · Amount on Record
Deed Sale	May 21, 2020 · Amount on Record
Prior Sale	Apr 2, 2001 · Amount on Record
Deed Document Number	0034617114
Deed Book / Page	34617 / 114
Record Updated	Jun 7, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1320 HARBOR RD, ANNAPOLIS, MD 21403-4719
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0378480306
Date	Nov 3, 2021
Book Page	37848/306

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2041

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 21, 2020
Property Address	1320 HARBOR RD, ANNAPOLIS, MD 21403-4719
Document Number	0346170114
Book / Page	034617 / 000114
Instrument Date	Apr 29, 2020
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$485.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 HARBOR RD ANNAPOLIS MD 214034719, ANNAPOLIS, MD 21403-4719

Mortgage

Document Number	346170120
Date	May 21, 2020
Book Page	034617/000120

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2050

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of July 1, 2023

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
2023	$4,957.00 Homeowner's exemption	$454,000 Land $265,200 Building $188,800	$454,000 Land $265,200 Building $188,800

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 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 Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 89% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 398 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Harbor Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures