1405 Howard Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1405 Howard Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,608 sqft · built 1993
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Dec 2009)
Tax Bill	$6,691 (2025)
Deeds & Mortgages	May 2023 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-597-90079446`

Property Details

APN / Parcel Number

Primary APN	`02-597-90079446`
Alternative APNs	`259790079446` `59790079446`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,608 sqft Living Area
1st Floor Area	804 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	96 sqft
Deck Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	59790079446
Street Address	1405 HOWARD RD
City	ANNAPOLIS
State	MD
Zip	21403-4720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 26 BK 3 PL 1 OYSTER HARBOR
Legal Subdivision	OYSTER HARBOR
Legal Block	3
Legal Lot Number	26
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1018
Census Tract	702602

Owner

1405 Howard Rd is owned and occupied by two individuals who bought it in December 2009.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1405 HOWARD RD, ANNAPOLIS, MD 21403-4720
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.

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Dec 14, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2009 · Amount on File
Deed Sale	Dec 1, 2009 · Amount on File
Prior Sale	Dec 18, 1995 · Amount on File
Deed Document Number	20098783
Deed Book / Page	21691 / 85
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1405 HOWARD RD, ANNAPOLIS, MD 21403-4720
Transaction Type	Mortgage
Record Updated	May 17, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0396200232
Date	May 2, 2023
Book Page	39620/232

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1405 HOWARD RD, ANNAPOLIS, MD 21403-4720
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	PASSPORT TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0319920055
Date	Apr 10, 2018
Book Page	31992/055

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1405 HOWARD RD, ANNAPOLIS, MD 21403-4720
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0380730356
Date	Dec 14, 2021
Book Page	38073/356

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	353 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1405 Howard Rd was $6,691 with a homeowner's exemption.

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		$542,700 Land $243,000 Building $299,700	$542,700 Land $243,000 Building $299,700
2025	$6,691.00
2023	$4,567.00 Homeowner's exemption	$418,300 Land $218,000 Building $200,300	$418,300 Land $218,000 Building $200,300

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

Flood

FEMA maps place 1405 Howard 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 1405 Howard 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 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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