Anne Arundel County property record for 14 Locust Ave, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,136 sqft · built 2006 |
| Lot Size | 0.164 acres (7,142 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $650,000 (Mar 2019) |
| Tax Bill | $10,390 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Mar 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-03651820 |
| Primary APN | 06-000-03651820 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,136 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 896 sqft |
| Finished Basement | 896 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,142 sqft (0.164 acres) |
| Porch | Open Porch |
| Porch Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00003651820 |
|---|---|
| Street Address | 14 LOCUST AVE |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-3326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 11 BK A ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | A |
| Legal Lot Number | 11 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 706600 |
14 Locust Ave is owned and occupied by two individuals who bought it in March 2019.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 14 LOCUST AVE, ANNAPOLIS, MD 21401-3326 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Aug 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MANUFACTURERS & TRADERS TRUST CO |
| Mar 1, 2019 | Deed, Transfer · ARM FIRST HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2019 · Amount on File |
| Deed Sale | Mar 1, 2019 · Amount on File |
| Prior Sale | Jan 20, 2006 · Amount on File |
| Deed Book / Page | 32916 / 398 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 14 LOCUST AVE, ANNAPOLIS, MD 21401-3326 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0350850293 |
|---|---|
| Date | Aug 21, 2020 |
| Book Page | 35085/293 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.62% |
| Index | 1-Year LIBOR |
| Max Rate | 7.62% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Mar 1, 2019 |
| Property Address | 14 LOCUST AVE, ANNAPOLIS, MD 21401-3326 |
| Document Number | 0329160398 |
| Book / Page | 32916 / 398 |
| Map Reference | MB GW 1 FO 212 |
| Instrument Date | Feb 22, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Title Company | EAGLE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 14 LOCUST AVE, ANNAPOLIS, MD 21401-3326 |
| Document Number | 0032916405 |
|---|---|
| Date | Mar 1, 2019 |
| Instrument | 32916/405 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Mar 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
The 2025 property tax bill for 14 Locust Ave was $10,390 with a homeowner's exemption.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Municipality | Annapolis City |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $829,600 Land $364,900 Building $464,700 | $829,600 Land $364,900 Building $464,700 | |
| 2025 | $10,390.00 | ||
| 2023 | $9,422.00 Homeowner's exemption | $681,300 Land $313,300 Building $368,000 | $681,300 Land $313,300 Building $368,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 Locust Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2013.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (2013–2017) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jul 2017 · rainfall accumulation |
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 risk around 14 Locust Ave is low, with 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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF ANNAPOLIS serves 35,000 people · EPA ID MD0020001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | 6 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 575 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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