138 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 138 E Lake Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 2,394 sqft · built 2018
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$2,200,000 (Aug 2022)
Tax Bill	$29,709 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-047-09755200`

Property Details

APN / Parcel Number

Primary APN	`02-047-09755200`
Alternative APNs	`2-047-09755200` `04709755200`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,394 sqft Living Area
1st Floor Area	1,240 sqft
Basement Area	923 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	288 sqft
Deck Area	144 sqft
Patio Area	497 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	04709755200
Street Address	138 E LAKE DR
City	ANNAPOLIS
State	MD
Zip	21403-4415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PT LT 12 SC 13 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	12
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4002
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	Individual Name on Record
Mailing Address	138 E LAKE DR, ANNAPOLIS, MD 21403-4415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Deed, Transfer · VA Mortgage INTERCOASTAL MORTGAGE
Feb 10, 2020	Grant Deed, Transfer NAVY FCU
Feb 28, 2017	Grant Deed, Transfer SAGE TITLE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Prior Sale	Feb 10, 2020 · Amount on Record
Deed Book / Page	39067 / 352
Prior Transfer Date	Jan 31, 2020
Prior Transfer Doc	0341800087
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Aug 30, 2022
Property Address	138 E LAKE DR, ANNAPOLIS, MD 21403-4415
Document Number	0390670352
Book / Page	39067 / 352
Instrument Date	Aug 23, 2022
Transaction Type	Transfer
Record Updated	Sep 15, 2022
Title Company	DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE AND ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	140 E LAKE DR, 140, ANNAPOLIS, MD 21403-4415

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	138 E LAKE DR, ANNAPOLIS, MD 21403-4415

Mortgage

Document Number	0039067359
Date	Aug 30, 2022
Instrument	39067/359

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Feb 10, 2020
Property Address	138 E LAKE DR, ANNAPOLIS, MD 21403-4415
Document Number	0341800087
Book / Page	034180 / 000087
Instrument Date	Jan 31, 2020
Transaction Type	Transfer
Record Updated	Feb 27, 2020
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	138 E LAKE DR ANNAPOLIS MD 214034415, ANNAPOLIS, MD 21403-4415

Mortgage

Document Number	341800095
Date	Feb 10, 2020
Book Page	034180/000095

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2050

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Feb 28, 2017
Property Address	138 E LAKE DR, ANNAPOLIS, MD 21403-4415
Document Number	0306830088
Book / Page	030683 / 000088
Instrument Date	Feb 24, 2017
Transaction Type	Transfer
Record Updated	Sep 28, 2017
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$900.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	138 E LAKE DR ANNAPOLIS MD 214034415, ANNAPOLIS, MD 21403-4415

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		$2,961,400 (+15.74%) Land $2,312,600 Building $648,800	$2,961,400 (-) Land $2,312,600 Building $648,800
2025	$29,709.00 (+17.15%)	$2,558,767 (+45.92%)	$2,961,400 (+68.89%) Land $2,312,600 Building $648,800
2024	$25,359.00 (+32.44%)
2023	$19,148.00	$1,753,500 Land $1,219,000 Building $534,500	$1,753,500 Land $1,219,000 Building $534,500

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 Record median of 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	7 (2003–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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 97% of the US · lower than 94% 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 128 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

4G LTE (outdoors only), no 5G reported

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