1329 Harbor Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1329 Harbor Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,635 sqft · built 1964
Lot Size	0.259 acres (11,280 sqft)
Owner	Individual Name on File
Tax Bill	$5,721 (2025)
Deeds & Mortgages	Oct 2026 Mortgage May 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-597-12539900`

Property Details

APN / Parcel Number

Primary APN	`02-597-12539900`
Alternative APNs	`2-597-12539900` `59712539900`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,635 sqft Living Area
1st Floor Area	1,635 sqft
Utility Area	77 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Conventional
Exterior Material	Siding Sheathing
Roof Material	Composition Shingle
Lot Area	11,280 sqft (0.259 acres)
Deck Area	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	59712539900
Street Address	1329 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 13 BK 12 PL 3 OYSTER HARBOR
Legal Subdivision	OYSTER HARBOR
Legal Block	12
Legal Lot Number	13
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1013
Census Tract	702602

Owner

1329 Harbor Rd is owned and occupied by an individual who acquired it in March 2025.

Source: Anne Arundel County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1329 HARBOR RD, ANNAPOLIS, MD 21403-4718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Oct 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
May 15, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 27, 2021	Deed of Trust, Mortgage · FHA Mortgage NFM INC
Jun 15, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2025
Deed Sale	Mar 24, 2025
Prior Sale	Dec 29, 2015 · Amount on File
Deed Book / Page	41187 / 235
Prior Transfer Date	Feb 13, 2025
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 6, 2026
Property Address	1329 HARBOR RD, ANNAPOLIS, MD 21403-4718
Document Number	4275000459
Book / Page	42759 / 459
Instrument Date	Sep 24, 2026
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1329 HARBOR RD, ANNAPOLIS, MD 21403-4718

Mortgage

Document Number	4275000459,
Date	Oct 6, 2026
Book Page	42759/459

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 15, 2026
Property Address	1329 HARBOR RD, ANNAPOLIS, MD 21403-4718
Document Number	4234000380
Book / Page	42345 / 380
Instrument Date	May 2, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TOWNSGATE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1329 HARBOR RD, ANNAPOLIS, MD 21403-4718

Mortgage

Document Number	4234000380,
Date	May 15, 2026
Book Page	42345/380

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1329 HARBOR RD, ANNAPOLIS, MD 21403-4718
Transaction Type	Mortgage
Record Updated	Sep 21, 2023
Title Company	TITLE NATION LLC, TITLE NATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1329 HARBOR RD, ANNAPOLIS, MD 21403-4718

Mortgage

Document Number	0372710269
Date	Jul 27, 2021
Book Page	37271/269

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1329 HARBOR RD, ANNAPOLIS, MD 21403-4718
Document Number	0348600111
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1329 HARBOR RD SAVANNAH GA 31403, SAVANNAH, GA 31403

Mortgage

Document Number	0348600111
Date	Jul 8, 2020
Book Page	034860/000111

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 7, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 1329 Harbor Rd was $5,721, up 1.9% 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		$390,500 (+2.11%) Land $261,800 Building $128,700	$390,500 (-) Land $261,800 Building $128,700
2025	$5,721.00 (+1.94%)	$382,433	$390,500 Land $261,800 Building $128,700
2024	$5,612.00 (+40.3%)
2023	$4,000.00	$366,300 Land $236,800 Building $129,500	$366,300 Land $236,800 Building $129,500

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

Flood

FEMA maps place 1329 Harbor Rd in Zone X, an area of minimal flood risk, within 500 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 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

Wildfire risk around 1329 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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