1325 Harbor Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1325 Harbor Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 840 sqft · built 1991
Lot Size	0.259 acres (11,280 sqft)
Owner	2 Individual Names on File
Last Sale	$121,000 (Sep 2005)
Tax Bill	$5,205 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-597-08878800`

Property Details

APN / Parcel Number

Primary APN	`02-597-08878800`
Alternative APNs	`2-597-08878800` `59708878800`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft
Utility Area	48 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,280 sqft (0.259 acres)
Deck Area	388 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	59708878800
Street Address	1325 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 11 BK 12 PL 3 OYSTER HARBOR
Legal Subdivision	OYSTER HARBOR
Legal Block	12
Legal Lot Number	11
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1013
Census Tract	702602

Owner

1325 Harbor Rd is owned by two individuals who acquired it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	975 GARDEN CITY DR, MONROEVILLE, PA 15146-1152
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Nov 14, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Apr 12, 2017	Quit Claim Deed, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2005 · Amount on File
Deed Sale	Sep 13, 2005 · Amount on File
Prior Sale	Apr 2, 1987 · Amount on File
Deed Document Number	200513200
Deed Book / Page	16837 / 210
Last Transfer Date	Mar 13, 2017
Transfer Doc	0308270435
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1325 HARBOR RD, ANNAPOLIS, MD 21403-4718
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1325 HARBOR RD, ANNAPOLIS, MD 21403-4718

Mortgage

Document Number	0418280234
Date	Nov 14, 2025
Book Page	41828/234

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Dec 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 12, 2017
Property Address	1325 HARBOR RD, ANNAPOLIS, MD 21403-4718
Document Number	0308270435
Book / Page	030827 / 000435
Instrument Date	Mar 13, 2017
Transaction Type	Mortgage
Record Updated	Jul 7, 2017
Title Company	WFG NATIONAL TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	975 GARDEN CITY DR MONROEVILLE PA 151461152, MONROEVILLE, PA 15146-1152

Mortgage

Document Number	308270440
Date	Apr 12, 2017
Book Page	030827/000440

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1325 Harbor Rd was $5,205, up 2.2% 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		$352,600 (+2.37%) Land $261,800 Building $90,800	$352,600 (-) Land $261,800 Building $90,800
2025	$5,205.00 (+2.22%)	$344,433	$352,600 Land $261,800 Building $90,800
2024	$5,092.00 (+42.16%)
2023	$3,582.00	$328,100 Land $236,800 Building $91,300	$328,100 Land $236,800 Building $91,300

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

Flood

FEMA maps place 1325 Harbor Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 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 1325 Harbor Rd is low, with less than 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 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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