145 Spa Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 145 Spa Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,581 sqft · built 2003
Lot Size	0.234 acres (10,180 sqft)
Owner	2 Company Names on Record
Last Sale	$2,600,000 (Jun 2026)
Tax Bill	$25,831 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Jun 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-829-07765800`

Property Details

APN / Parcel Number

Primary APN	`06-829-07765800`
Alternative APNs	`6-829-07765800` `82907765800`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,581 sqft Living Area
Gross Area	5,061 sqft
1st Floor Area	1,610 sqft
Basement Area	1,043 sqft
Finished Basement	1,043 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,180 sqft (0.234 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	42 sqft
Deck Area	76 sqft
Patio Area	64 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	82907765800
Street Address	145 SPA DR
City	ANNAPOLIS
State	MD
Zip	21403-1112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 37R TRUXTON HEIGHTS
Legal Subdivision	TRUXTON HEIGHTS
Legal Block	2
Legal Lot Number	37R
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2001
Census Tract	706403

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 Company Names on Record
Mailing Address	145 SPA DR, ANNAPOLIS, MD 21403-1112
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jun 17, 2026	Deed, Transfer EAGLE TITLE
Jan 18, 2024	Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Oct 14, 2021	Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC
Jun 12, 2019	Deed, Transfer · ARM MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2026 · Amount on Record
Deed Sale	Jun 17, 2026 · Amount on Record
Prior Sale	Jan 22, 2026 · Amount on Record
Deed Book / Page	42458 / 110
Record Updated	Oct 29, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jan 22, 2026
Property Address	145 SPA DR, ANNAPOLIS, MD 21403-1112
Document Number	0420180222
Book / Page	42018 / 222
Map Reference	MB 245 PG 23 PL12800
Instrument Date	Jan 15, 2026
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	EAGLE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,000.00
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	145 SPA DR, ANNAPOLIS, MD 21403-1112

Mortgage

Document Number	0042018228
Date	Jan 22, 2026
Instrument	42018/228

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Index	SOFR Average 30-Day
Max Rate	11.2%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 17, 2026
Property Address	145 SPA DR, ANNAPOLIS, MD 21403-1112
Document Number	4245000110
Book / Page	42458 / 110
Instrument Date	Jan 15, 2026
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	EAGLE TITLE

Transaction

Amount	Amount Recorded
Tax	$2,626,000.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	145 SPA DR, ANNAPOLIS, MD 21403-1112

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jan 18, 2024
Property Address	145 SPA DR, ANNAPOLIS, MD 21403-1112
Document Number	0401870333
Book / Page	40187 / 333
Map Reference	MB 245 PG 23 PL12800
Instrument Date	Jan 17, 2024
Transaction Type	Transfer
Record Updated	Feb 1, 2024
Title Company	EAGLE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,000.00
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 in Severalty
Address	145 SPA DR, ANNAPOLIS, MD 21403-1112

Mortgage

Document Number	0040187341
Date	Jan 18, 2024
Instrument	40187/341

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.82%
Type Change Date	Feb 1, 2034
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.8%
Margin	3
Max Rate	10.8%

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 14, 2021
Property Address	145 SPA DR, ANNAPOLIS, MD 21403-1112
Document Number	0377090438
Book / Page	37709 / 438
Map Reference	MB 245 PG 23 PL12800
Instrument Date	Sep 9, 2021
Transaction Type	Transfer
Record Updated	Nov 1, 2021
Title Company	BAY TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39,750.00
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 in Severalty
Address	145 SPA DR, ANNAPOLIS, MD 21403-1112

Mortgage

Document Number	37709444
Date	Oct 14, 2021
Instrument	37709/444

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	4.99%
Index	1-Year CMT
Margin	3
Max Rate	8.99%

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 12, 2019
Property Address	145 SPA DR, ANNAPOLIS, MD 21403-1112
Document Number	0332310141
Book / Page	33231 / 141
Map Reference	MB 245 PG 23 PL12800
Instrument Date	May 31, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	EAGLE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27,000.00
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 in Severalty
Address	145 SPA DR, ANNAPOLIS, MD 21403-1112

Mortgage

Document Number	33231148
Date	Jun 12, 2019
Instrument	33231/148

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

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		$1,923,000 (+6.68%) Land $813,200 Building $1,109,800	$1,923,000 (-) Land $813,200 Building $1,109,800
2025	$25,831.00 (+15.18%)	$1,802,600 (+15.42%)	$1,923,000 (+23.13%) Land $813,200 Building $1,109,800
2023	$22,427.00	$1,561,800 Land $813,200 Building $748,600	$1,561,800 Land $813,200 Building $748,600

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force

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 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 336 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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