1402 S Virginia St, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 1402 S Virginia St, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,812 sqft · built 2005
Lot Size	0.127 acres (5,539 sqft)
Owner	2 Individual Names on File
Last Sale	$1,250,000 (Mar 2026)
Tax Bill	$11,603 (2025)
Deeds & Mortgages	Feb 2025 Line of Credit Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-000-90221123`

Property Details

APN / Parcel Number

Primary APN	`06-000-90221123`
Alternative APN	`00090221123`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,812 sqft Living Area
Gross Area	3,064 sqft
1st Floor Area	1,380 sqft
Basement Area	1 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,539 sqft (0.127 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	120 sqft
Deck Area	307 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00090221123
Street Address	1402 S VIRGINIA ST
City	ANNAPOLIS
State	MD
Zip	21401-4011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 1RC LONERGAN PROPERTY
Legal Subdivision	LONERGAN PROPERTY
Legal Block	2
Legal Lot Number	1RC
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2005
Census Tract	706500

Owner

1402 S Virginia St is owned and occupied by two individuals who bought it in March 2026.

Source: Anne Arundel County records, as of September 4, 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	1402 S VIRGINIA ST, ANNAPOLIS, MD 21401-4011
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2025	Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC
Mar 4, 2026	Deed, Transfer · Conventional Mortgage US BANK NA
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage WESBANCO BANK INC
Jan 13, 2020	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2026 · Amount on File
Deed Sale	Mar 4, 2026 · Amount on File
Prior Sale	Jan 13, 2020 · Amount on File
Deed Book / Page	42131 / 335
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1402 S VIRGINIA ST, ANNAPOLIS, MD 21401-4011
Transaction Type	Mortgage
Record Updated	Mar 23, 2026
Title Company	COUNSEL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1402 S VIRGINIA ST, ANNAPOLIS, MD 21401-4011

Mortgage

Document Number	0410850082
Date	Feb 7, 2025
Book Page	41085/82

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	WHEELING, WV 26003

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 4, 2026
Property Address	1402 S VIRGINIA ST, ANNAPOLIS, MD 21401-4011
Document Number	0421310335
Book / Page	42131 / 335
Map Reference	LB 263 FO 48
Instrument Date	Feb 27, 2026
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	TITLE NATION LLC, TITLE NATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1402 S VIRGINIA ST, ANNAPOLIS, MD 21401-4011

Mortgage

Document Number	0042131341
Date	Mar 4, 2026
Instrument	42131/341

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1402 S VIRGINIA ST, ANNAPOLIS, MD 21401-4011
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	LAKESIDE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1402 S VIRGINIA ST, ANNAPOLIS, MD 21401-4011

Mortgage

Document Number	0358350240
Date	Dec 23, 2020
Book Page	35835/240

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	WHEELING, WV 26003

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Dec 1, 2035
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	8.25%
Index	1-Year CMT
Margin	3
Max Rate	8.25%

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jan 13, 2020
Property Address	1402 S VIRGINIA ST, ANNAPOLIS, MD 21401-4011
Document Number	0340670042
Book / Page	34067 / 042
Map Reference	LB 263 FO 48
Instrument Date	Dec 20, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,530.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1402 S VIRGINIA ST, ANNAPOLIS, MD 21401-4011

Mortgage

Document Number	34067049
Date	Jan 13, 2020
Instrument	34067/049

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1402 S Virginia St was $11,603.

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Anne Arundel County
Municipality	Annapolis City
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$953,800 (+9.33%) Land $357,300 Building $596,500	$953,800 (-) Land $357,300 Building $596,500
2025	$11,603.00 Homeowner's exemption	$872,433	$953,800 Land $357,300 Building $596,500
2023	$10,191.00 Homeowner's exemption	$709,700 Land $306,500 Building $403,200	$709,700 Land $306,500 Building $403,200

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

Flood

FEMA maps place 1402 S Virginia St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · 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

Wildfire risk around 1402 S Virginia St 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 320 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

May also be available: AT&T.

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