1324 Harbor Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1324 Harbor Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,600 sqft · built 1984
Lot Size	0.258 acres (11,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$271,500 (Sep 2018)
Tax Bill	$6,469 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2021 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`02-597-12398400`

Property Details

APN / Parcel Number

Primary APN	`02-597-12398400`
Alternative APNs	`2-597-12398400` `59712398400`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	1,600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	11,250 sqft (0.258 acres)
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	288 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	59712398400
Street Address	1324 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 33 BK 15 PL 3 OYSTER HARBOR
Legal Subdivision	OYSTER HARBOR
Legal Block	15
Legal Lot Number	33
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 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	1324 HARBOR RD, ANNAPOLIS, MD 21403-4719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage LENOX FINANCIAL MORTGAGE CORP
Nov 8, 2021	Intrafamily Transfer, Transfer
Sep 17, 2018	Deed, Transfer · Conventional Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2018 · Amount on Record
Deed Sale	Sep 17, 2018 · Amount on Record
Prior Sale	Aug 20, 1979 · Amount on Record
Deed Book / Page	32489 / 335
Last Transfer Date	Sep 21, 2021
Transfer Doc	0378800303
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1324 HARBOR RD, ANNAPOLIS, MD 21403-4719
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1324 HARBOR RD, ANNAPOLIS, MD 21403-4719

Mortgage

Document Number	0360750002
Date	Feb 4, 2021
Book Page	36075/2

Lender

Name	LENOX FINANCIAL MORTGAGE CORP
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 8, 2021
Property Address	1324 HARBOR RD, ANNAPOLIS, MD 21403-4719
Document Number	0378800303
Book / Page	37880 / 303
Map Reference	MB 22 FO 22
Instrument Date	Sep 21, 2021
Transaction Type	Transfer
Record Updated	Nov 26, 2021

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	1324 HARBOR RD, ANNAPOLIS, MD 21403-4719

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Sep 17, 2018
Property Address	1324 HARBOR RD, ANNAPOLIS, MD 21403-4719
Document Number	0324890335
Book / Page	32489 / 335
Map Reference	MB22 FO22
Instrument Date	Aug 31, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,072.50
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
Relationship	Tenants by the Entirety
Address	1115 N HILTON RD, WILMINGTON, DE 19803-5205

Mortgage

Document Number	0032489340
Date	Sep 17, 2018
Instrument	32489/340

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

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		$459,800 (+2.39%) Land $261,700 Building $198,100	$459,800 (-) Land $261,700 Building $198,100
2025	$6,469.00 (+1.89%) Homeowner's exemption	$449,067 (+5.02%)	$459,800 (+7.53%) Land $261,700 Building $198,100
2024	$6,349.00 (+39.32%)
2023	$4,557.00 Homeowner's exemption	$427,600 Land $236,700 Building $190,900	$427,600 Land $236,700 Building $190,900

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 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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