1326 Harbor Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1326 Harbor Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,568 sqft · built 2012
Lot Size	0.28 acres (12,201 sqft)
Owner	2 Individual Names on Record
Last Sale	$875,000 (Jun 2023)
Tax Bill	$9,610 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jun 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-597-08370600`

Property Details

APN / Parcel Number

Primary APN	`02-597-08370600`
Alternative APNs	`2-597-08370600` `59708370600`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,568 sqft Living Area
Gross Area	3,096 sqft
1st Floor Area	1,284 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Siding Sheathing
Roof Material	Composition Shingle
Lot Area	12,201 sqft (0.28 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	160 sqft
Deck Area	593 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	59708370600
Street Address	1326 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 32 BK 15 PL 3 OYSTER HARBOR
Legal Subdivision	OYSTER HARBOR
Legal Block	15
Legal Lot Number	32
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 October 8, 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	1760 LOCUST DR, YARDLEY, PA 19067-5746
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2023	Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jun 7, 2023	Re-recorded Document SAGE TITLE GROUP LLC
May 27, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Mar 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2023 · Amount on Record
Deed Sale	Jun 7, 2023 · Amount on Record
Prior Sale	May 19, 2023 · Amount on Record
Deed Book / Page	39705 / 110
Prior Transfer Date	May 12, 2023
Prior Transfer Doc	0397050110
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 19, 2023
Property Address	1326 HARBOR RD, ANNAPOLIS, MD 21403-4719
Document Number	0396660347
Book / Page	39666 / 347
Map Reference	MB 22 PL 1015 FO 22
Instrument Date	May 12, 2023
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1760 LOCUST DR, YARDLEY, PA 19067-5746

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1326 HARBOR RD, ANNAPOLIS, MD 21403-4719

Mortgage

Document Number	0039666352
Date	May 19, 2023
Instrument	39666/352

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Jun 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	Other
Max Rate	10.3%

June 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 7, 2023
Property Address	1326 HARBOR RD, ANNAPOLIS, MD 21403-4719
Document Number	0397050110
Book / Page	39705 / 110
Map Reference	MB 22 PL 1015 FO 22
Instrument Date	May 12, 2023
Record Updated	Jun 28, 2023
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1760 LOCUST DR, YARDLEY, PA 19067-5746

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1760 LOCUST DR, YARDLEY, PA 19067-5746

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1326 HARBOR RD, ANNAPOLIS, MD 21403-4719
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0346330001
Date	May 27, 2020
Book Page	34633/1

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1326 HARBOR RD, ANNAPOLIS, MD 21403-4719
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0384170349
Date	Mar 1, 2022
Book Page	38417/349

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 1, 2037

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		$734,100 (+9.8%) Land $264,600 Building $469,500	$734,100 (-) Land $264,600 Building $469,500
2025	$9,610.00 (+10.03%)	$668,600 (+24.37%)	$734,100 (+36.55%) Land $264,600 Building $469,500
2024	$8,734.00 (+48.79%)
2023	$5,870.00 (+5.35%)	$537,600 (+0.81%) Land $239,600 Building $298,000	$537,600 (-) Land $239,600 Building $298,000
2022	$5,572.00 Homeowner's exemption	$533,300	$537,600 Land $239,600 Building $298,000

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 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