1413 Howard Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 1413 Howard Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,760 sqft · built 1996
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$900,000 (Apr 2025)
Tax Bill	$8,990 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-597-02071580`

Property Details

APN / Parcel Number

Primary APN	`02-597-02071580`
Alternative APNs	`259702071580` `59702071580`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,760 sqft Living Area
Gross Area	2,980 sqft
1st Floor Area	920 sqft
Basement Area	920 sqft
Finished Basement	920 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	486 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	59702071580
Street Address	1413 HOWARD RD
City	ANNAPOLIS
State	MD
Zip	21403-4720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 22 BK 3 PL 1 OYSTER HARBOR
Legal Subdivision	OYSTER HARBOR
Legal Block	3
Legal Lot Number	22
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1018
Census Tract	702602

Owner

1413 Howard Rd is owned and occupied by an individual who bought it in April 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1413 HOWARD RD, ANNAPOLIS, MD 21403-4720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONAL INSTITUTES OF HEALTH FCU
Apr 22, 2021	Deed, Subdivision Related Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jan 4, 2019	Grant Deed, Transfer OS NATIONAL LLC, OS NAT'L LLC
Feb 13, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2025 · Amount on File
Deed Sale	Apr 9, 2025 · Amount on File
Prior Sale	Apr 22, 2021 · Amount on File
Deed Book / Page	41227 / 62
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1413 HOWARD RD, ANNAPOLIS, MD 21403-4720
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1413 HOWARD RD, ANNAPOLIS, MD 21403-4720
Investor	Possibly a Property Investor

Mortgage

Document Number	0396340172
Date	May 5, 2023
Book Page	39634/172

Lender

Name	NATIONAL INSTITUTES OF HEALTH FCU
Type	Credit Union
Address	ROCKVILLE, MD 20850

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2038

April 2021: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 22, 2021
Property Address	1413 HOWARD RD, ANNAPOLIS, MD 21403-4720
Document Number	0366160071
Book / Page	36616 / 71
Map Reference	MB 22 PG 9
Instrument Date	Feb 25, 2021
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2022
Title Company	NOT AVAILABLE, EAGLE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1413 HOWARD RD, ANNAPOLIS, MD 21403-4720

Mortgage

Document Number	0003661676
Date	Apr 22, 2021
Instrument	36616/76

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2051

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jan 4, 2019
Property Address	1413 HOWARD RD, ANNAPOLIS, MD 21403-4720
Document Number	0327810127
Book / Page	032781 / 000127
Instrument Date	Nov 19, 2018
Transaction Type	Transfer
Record Updated	Jan 17, 2019
Title Company	OS NATIONAL LLC, OS NAT'L LLC

Transaction

Amount	Amount on Record
Tax	$320.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1910 TOWNE CENTRE BLVD #1022 ANNAPOLIS MD 214012782, 1022, ANNAPOLIS, MD 21401-2782

February 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Feb 13, 2018
Property Address	1413 HOWARD RD, ANNAPOLIS, MD 21403-4720
Document Number	0318380375
Book / Page	031838 / 000375
Instrument Date	Jun 7, 2017
Transaction Type	Foreclosure
Record Updated	Mar 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$326.62
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1413 HOWARD RD ANNAPOLIS MD 214034720, ANNAPOLIS, MD 21403-4720

Tax Assessment & Valuation

The 2025 property tax bill for 1413 Howard Rd was $8,990.

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		$687,600 Land $243,000 Building $444,600	$687,600 Land $243,000 Building $444,600
2025	$8,990.00
2023	$5,392.00	$493,800 Land $218,000 Building $275,800	$493,800 Land $218,000 Building $275,800

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

Flood

FEMA maps place 1413 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 1413 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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