1405 Ritchie Ct, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 1405 Ritchie Ct, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,232 sqft · built 1987
Lot Size	0.214 acres (9,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$740,000 (Aug 2018)
Tax Bill	$9,597 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-770-90026414`

Property Details

APN / Parcel Number

Primary APN	`06-770-90026414`
Alternative APNs	`677090026414` `77090026414`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,232 sqft Living Area
Gross Area	2,592 sqft
1st Floor Area	1,336 sqft
Utility Area	12 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,340 sqft (0.214 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Breezeway
Porch Area	84 sqft
Deck Area	252 sqft
Breezeway	Breezeway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	77090026414
Street Address	1405 RITCHIE CT
City	ANNAPOLIS
State	MD
Zip	21401-4128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 8 RITCHIE COURT
Legal Subdivision	RITCHIE COURT
Legal Block	2
Legal Lot Number	8
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2005
Census Tract	706500

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	2 Individual Names on Record
Mailing Address	1405 RITCHIE CT, ANNAPOLIS, MD 21401-4128
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Aug 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Aug 16, 2018	Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2018 · Amount on Record
Deed Sale	Aug 16, 2018 · Amount on Record
Prior Sale	Mar 4, 1994 · Amount on Record
Deed Book / Page	32397 / 257
Prior Transfer Date	Jun 21, 2017
Prior Transfer Doc	0031397096
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1405 RITCHIE CT, ANNAPOLIS, MD 21401-4128
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 RITCHIE CT, ANNAPOLIS, MD 21401-4128

Mortgage

Document Number	0364890221
Date	Apr 7, 2021
Book Page	36489/221

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1405 RITCHIE CT, ANNAPOLIS, MD 21401-4128
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	INTERSTATE TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 RITCHIE CT, ANNAPOLIS, MD 21401-4128

Mortgage

Document Number	0351200088
Date	Aug 27, 2020
Book Page	35120/88

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Aug 16, 2018
Property Address	1405 RITCHIE CT, ANNAPOLIS, MD 21401-4128
Document Number	0323970257
Book / Page	32397 / 257
Map Reference	MB72 FO15
Instrument Date	Aug 10, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	EAGLE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 RITCHIE CT, ANNAPOLIS, MD 21401-4128

Mortgage

Document Number	0032397264
Date	Aug 16, 2018
Instrument	32397/264

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

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		$813,600 (+38.6%) Land $429,300 Building $384,300	$813,600 (+38.6%) Land $429,300 Building $384,300
2025	$9,597.00 (+13.86%)
2023	$8,429.00 Homeowner's exemption	$587,000 Land $322,600 Building $264,400	$587,000 Land $322,600 Building $264,400

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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