1323 Harbor Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1323 Harbor Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,800 sqft · built 2011
Lot Size	0.259 acres (11,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Jun 2023)
Tax Bill	$8,815 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jun 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-597-90222592`

Property Details

APN / Parcel Number

Primary APN	`02-597-90222592`
Alternative APNs	`2-597-90222592` `59790222592`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,800 sqft Living Area
1st Floor Area	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,280 sqft (0.259 acres)
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	640 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	59790222592
Street Address	1323 HARBOR RD
City	ANNAPOLIS
State	MD
Zip	21403-4718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 10 BK 12 PL 3 OYSTER HARBOR
Legal Subdivision	OYSTER HARBOR
Legal Block	12
Legal Lot Number	10
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1013
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	1323 HARBOR RD, ANNAPOLIS, MD 21403-4718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2023	Deed, Transfer · Conventional Mortgage KWIK MORTGAGE CORP
Jun 6, 2022	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
May 16, 2017	Deed, Transfer SAGE TITLE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	Jun 6, 2022 · Amount on Record
Deed Book / Page	39691 / 279
Prior Transfer Date	Feb 7, 2014
Prior Transfer Doc	0271500280
Record Updated	Oct 29, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 1, 2023
Property Address	1323 HARBOR RD, ANNAPOLIS, MD 21403-4718
Document Number	0396910279
Book / Page	39691 / 279
Map Reference	MB 22 PG 22
Instrument Date	May 22, 2023
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1323 HARBOR RD, ANNAPOLIS, MD 21403-4718

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1323 HARBOR RD, ANNAPOLIS, MD 21403-4718

Mortgage

Document Number	0039691285
Date	Jun 1, 2023
Instrument	39691/285

Lender

Name	KWIK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 6, 2022
Property Address	1323 HARBOR RD, ANNAPOLIS, MD 21403-4718
Document Number	0388010241
Book / Page	38801 / 241
Map Reference	MB 22 PG 22
Instrument Date	May 31, 2022
Transaction Type	Transfer
Record Updated	Jun 16, 2022
Title Company	EAGLE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1323 HARBOR RD, ANNAPOLIS, MD 21403-4718

Mortgage

Document Number	0038801251
Date	Jun 6, 2022
Instrument	38801/251

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1323 HARBOR RD, ANNAPOLIS, MD 21403-4718
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SAGE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0348300175
Date	Jul 1, 2020
Book Page	34830/175

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 16, 2017
Property Address	1323 HARBOR RD, ANNAPOLIS, MD 21403-4718
Document Number	0309370298
Book / Page	30937 / 298
Map Reference	PL3 MB22 PG22
Instrument Date	May 4, 2017
Instrument	30937-298
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$8,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1323 HARBOR RD, ANNAPOLIS, MD 21403-4718

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		$752,000 (+9.38%) Land $261,800 Building $490,200	$752,000 (-) Land $261,800 Building $490,200
2025	$8,815.00 (+4.04%) Homeowner's exemption	$687,533 (+23.08%)	$752,000 (+34.62%) Land $261,800 Building $490,200
2024	$8,473.00 (+38.92%)
2023	$6,099.00	$558,600 Land $236,800 Building $321,800	$558,600 Land $236,800 Building $321,800

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 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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