1328 Harbor Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1328 Harbor Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,824 sqft · built 1966
Lot Size	0.348 acres (15,140 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Oct 2011)
Tax Bill	$6,143 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-597-03701000`

Property Details

APN / Parcel Number

Primary APN	`02-597-03701000`
Alternative APNs	`259703701000` `59703701000`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,824 sqft Living Area
Gross Area	1,984 sqft
1st Floor Area	912 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	15,140 sqft (0.348 acres)
Porch	Enclosed Porch
Porch Area	160 sqft
Deck Area	190 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	59703701000
Street Address	1328 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 31 BK 15 PL 3 OYSTER HARBOR
Legal Subdivision	OYSTER HARBOR
Legal Block	15
Legal Lot Number	31
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 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1328 HARBOR RD, ANNAPOLIS, MD 21403-4719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage BREEZE FUNDING INC
Oct 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL BANK NA
Aug 31, 2017	Loan Modification, Mortgage · FHA Mortgage EQUITY PRIME MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2011 · Amount on File
Deed Sale	Oct 18, 2011 · Amount on File
Deed Document Number	201123907/0262
Deed Book / Page	23907 / 262
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1328 HARBOR RD, ANNAPOLIS, MD 21403-4719
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1328 HARBOR RD, ANNAPOLIS, MD 21403-4719

Mortgage

Document Number	0374090138
Date	Aug 23, 2021
Book Page	37409/138

Lender

Name	BREEZE FUNDING INC
Type	Mortgage Company
Address	LAGUNA HILLS, CA 92653

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1328 HARBOR RD, ANNAPOLIS, MD 21403-4719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ADVANTAGE TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0325570363
Date	Oct 11, 2018
Book Page	32557/363

Lender

Name	CAPITAL BANK NA
Type	Bank
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ANNE ARUNDEL MD
Property Address	1328 HARBOR RD, ANNAPOLIS, MD 21403-4719
Document Number	0313740475
Book / Page	031374 / 000475
Instrument Date	Aug 31, 2017
Transaction Type	Mortgage
Record Updated	Nov 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1328 HARBOR RD ANNAPOLIS MD 214034719, ANNAPOLIS, MD 21403-4719

Mortgage

Document Number	0313740475
Date	Sep 21, 2017
Book Page	031374/000475

Lender

Name	EQUITY PRIME MTG
Address	ATLANTA, GA 30328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2047

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		$426,400 (+9.98%) Land $273,400 Building $153,000	$426,400 (+9.98%) Land $273,400 Building $153,000
2025	$6,143.00 (+45.12%)
2023	$4,233.00	$387,700 Land $248,400 Building $139,300	$387,700 Land $248,400 Building $139,300

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 500 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

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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