1322 Harbor Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1322 Harbor Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,428 sqft · built 1959
Lot Size	0.468 acres (20,394 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Mar 2010)
Tax Bill	$6,253 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2023 Transfer
Flood Zone	Zone AE (high risk)
APN	`02-597-11612185`

Property Details

APN / Parcel Number

Primary APN	`02-597-11612185`
Alternative APNs	`2-597-11612185` `59711612185`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,428 sqft Living Area
1st Floor Area	748 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,394 sqft (0.468 acres)
Deck Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	59711612185
Street Address	1322 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 34 BK 15 PL 3 OYSTER HARBOR
Legal Subdivision	OYSTER HARBOR
Legal Block	15
Legal Lot Number	34
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1008
Census Tract	702602

Owner

1322 Harbor Rd is owned and occupied by two individuals who acquired it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1322 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.

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 17, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2010 · Amount on File
Deed Sale	Mar 22, 2010 · Amount on File
Prior Sale	Oct 18, 2006 · Amount on File
Deed Document Number	20108044
Deed Book / Page	22070 / 276
Last Transfer Date	Aug 9, 2022
Transfer Doc	0395900102
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1322 HARBOR RD, ANNAPOLIS, MD 21403-4719
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	EQUITY SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0377730021
Date	Oct 25, 2021
Book Page	37773/21

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	235 Months
Due	May 1, 2041

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 17, 2023
Property Address	1322 HARBOR RD, ANNAPOLIS, MD 21403-4719
Document Number	0395900102
Book / Page	39590 / 102
Map Reference	MB 22 PG 22
Instrument Date	Aug 9, 2022
Transaction Type	Transfer
Record Updated	May 3, 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	Tenants by the Entirety
Address	1322 HARBOR RD, ANNAPOLIS, MD 21403-4719

Tax Assessment & Valuation

The 2025 property tax bill for 1322 Harbor Rd was $6,253 with a homeowner's exemption, up 3.5% from the year before.

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		$536,300 (+7.38%) Land $288,000 Building $248,300	$536,300 (-) Land $288,000 Building $248,300
2025	$6,253.00 (+3.54%) Homeowner's exemption	$499,433	$536,300 Land $288,000 Building $248,300
2024	$6,039.00 (+45.13%)
2023	$4,161.00 Homeowner's exemption	$425,700 Land $263,000 Building $162,700	$425,700 Land $263,000 Building $162,700

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

Flood

FEMA maps place 1322 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	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 1322 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 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)

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