1520 Bay Dr, Shady Side, MD 20764 Property Records

Anne Arundel County property record for 1520 Bay Dr, Shady Side, MD 20764

Property Summary

Property Type	Single Family Home
Details	1 ba · 940 sqft · built 1961
Lot Size	0.093 acres (4,060 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Jul 1998)
Tax Bill	$5,494 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`07-156-03976900`

Property Details

APN / Parcel Number

Primary APN	`07-156-03976900`
Alternative APNs	`715603976900` `15603976900`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	940 sqft Living Area
Gross Area	1,116 sqft
1st Floor Area	940 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	4,060 sqft (0.093 acres)
View / Lot	Waterfront
Porch	Enclosed Porch
Porch Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	15603976900
Street Address	1520 BAY DR
City	SHADY SIDE
State	MD
Zip	20764-9315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LTS 16 17 BK 22 COLUMBIA BEACH
Legal Subdivision	COLUMBIA BEACH
Legal Block	22
Legal Lot Number	16
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2026
Census Tract	707001

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Columbia Beach listed 2026 · 157 contributing resources · NRIS 100012782

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	Individual Name on File
Mailing Address	3118 WESTOVER DR SE, WASHINGTON, DC 20020-3720
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2017	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage JUSTICE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 1998 · Amount on File
Deed Sale	Jul 27, 1998 · Amount on File
Deed Document Number	19989125
Deed Book / Page	8597 / 316
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1520 BAY DR, SHADY SIDE, MD 20764-9315
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0308650164
Date	Apr 25, 2017
Book Page	30865/0164
Instrument	30865-0164

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 7, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1520 BAY DR, SHADY SIDE, MD 20764-9315
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	INDEPENDENT TITLE, INDEPENDENT T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3118 WESTOVER DR SE, WASHINGTON, DC 20020-3720

Mortgage

Document Number	0373840214
Date	Aug 18, 2021
Book Page	37384/214

Lender

Name	JUSTICE FEDERAL CREDIT UNION
Type	Credit Union
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

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		$362,200 (+28.58%) Land $240,100 Building $122,100	$362,200 (+28.58%) Land $240,100 Building $122,100
2025	$5,494.00 (+78.61%)
2023	$3,076.00	$281,700 Land $180,100 Building $101,600	$281,700 Land $180,100 Building $101,600

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 250 policies
Nearby Flood Policies	250 in force
Nearby Flood Claims	200 (1979–2024)
Claims Outside the SFHA	35 of 200
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims Hurricane Isabel, Sep 2003 · 147 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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