1554 Ritchie Ln, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 1554 Ritchie Ln, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,155 sqft · built 1985
Lot Size	0.095 acres (4,134 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Oct 2018)
Tax Bill	$5,930 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-813-90042626`

Property Details

APN / Parcel Number

Primary APN	`06-813-90042626`
Alternative APNs	`6-813-90042626` `81390042626`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,155 sqft Living Area
1st Floor Area	1,024 sqft
Basement Area	696 sqft
Finished Basement	696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	4,134 sqft (0.095 acres)
Porch	Open Porch
Porch Area	49 sqft
Deck Area	206 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	81390042626
Street Address	1554 RITCHIE LN
City	ANNAPOLIS
State	MD
Zip	21401-4110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 33 PL 2 SOUTHWOODS
Legal Subdivision	SOUTHWOODS
Legal Block	2
Legal Lot Number	33
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2011
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	1554 RITCHIE LN, ANNAPOLIS, MD 21401-4110
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 14, 2019	Deed of Trust, Mortgage · FHA Mortgage STEARNS LENDING LLC
Aug 10, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 26, 2018	Deed, Transfer GUARANTEED RATE AFFINITY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2018 · Amount on Record
Deed Sale	Oct 26, 2018 · Amount on Record
Prior Sale	Jan 3, 2007 · Amount on Record
Deed Book / Page	32607 / 57
Transfer Doc	0000002603
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1554 RITCHIE LN, ANNAPOLIS, MD 21401-4110
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0350830154
Date	Aug 21, 2020
Book Page	35083/154

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Nov 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1554 RITCHIE LN, ANNAPOLIS, MD 21401-4110
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0338420123
Date	Nov 14, 2019
Book Page	33842/123

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2049

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1554 RITCHIE LN, ANNAPOLIS, MD 21401-4110
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0373430001
Date	Aug 10, 2021
Book Page	37343/1

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Dec 1, 2049

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 26, 2018
Property Address	1554 RITCHIE LN, ANNAPOLIS, MD 21401-4110
Document Number	0326070057
Book / Page	32607 / 057
Instrument Date	Oct 15, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	TITLE RESOURCE GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,500.00
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
Relationship	Tenants by the Entirety
Address	1554 RITCHIE LN, ANNAPOLIS, MD 21401-4110

Mortgage

Document Number	0003260764
Date	Oct 26, 2018
Instrument	32607/64

Lender

Name	GUARANTEED RATE AFFINITY INC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 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		$445,800 (+7.72%) Land $225,400 Building $220,400	$445,800 (-) Land $225,400 Building $220,400
2025	$5,930.00 (+8.07%)	$413,833 (+18.27%)	$445,800 (+27.41%) Land $225,400 Building $220,400
2024	$5,487.00 (+9.22%)
2023	$5,024.00	$349,900 Land $200,400 Building $149,500	$349,900 Land $200,400 Building $149,500

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 413 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

May also be available: AT&T, T-Mobile.

Nearby Properties on Ritchie Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures