1578 Ritchie Ln, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 1578 Ritchie Ln, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,204 sqft · built 1987
Lot Size	0.095 acres (4,138 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Jan 2015)
Tax Bill	$5,777 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-813-90042647`

Property Details

APN / Parcel Number

Primary APN	`06-813-90042647`
Alternative APNs	`6-813-90042647` `81390042647`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,204 sqft Living Area
1st Floor Area	864 sqft
Basement Area	560 sqft
Finished Basement	560 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	4,138 sqft (0.095 acres)
Porch	Open Porch
Porch Area	42 sqft
Deck Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	81390042647
Street Address	1578 RITCHIE LN
City	ANNAPOLIS
State	MD
Zip	21401-4110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 54 PL 3 SOUTHWOODS
Legal Subdivision	SOUTHWOODS
Legal Block	2
Legal Lot Number	54
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2011
Census Tract	706500

Owner

1578 Ritchie Ln is owned and occupied by two individuals who acquired it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1578 RITCHIE LN, ANNAPOLIS, MD 21401-4110
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2015 · Amount on File
Deed Sale	Jan 5, 2015 · Amount on File
Prior Sale	Dec 28, 2005 · Amount on File
Deed Book / Page	27940 / 105
Last Transfer Date	Oct 21, 2020
Transfer Doc	0356180025
Record Updated	Oct 29, 2026

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 17, 2020
Property Address	1578 RITCHIE LN, ANNAPOLIS, MD 21401-4110
Document Number	0356180025
Book / Page	35618 / 25
Map Reference	MB 95 PG 3
Instrument Date	Oct 21, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	CAPITOL TITLE GROUP

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1578 RITCHIE LN, ANNAPOLIS, MD 21401-4110

Mortgage

Document Number	3561831
Date	Nov 17, 2020
Instrument	35618/31

Lender

Name	FIRST WASHINGTON MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1578 Ritchie Ln was $5,777 with a homeowner's exemption, up 5.5% from the year before.

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		$455,600 (+7.6%) Land $225,400 Building $230,200	$455,600 (-) Land $225,400 Building $230,200
2025	$5,777.00 (+5.52%) Homeowner's exemption	$423,433	$455,600 Land $225,400 Building $230,200
2024	$5,475.00 (+6.19%)
2023	$5,156.00 Homeowner's exemption	$359,100 Land $200,400 Building $158,700	$359,100 Land $200,400 Building $158,700

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

Flood

FEMA maps place 1578 Ritchie Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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 File 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

Wildfire risk around 1578 Ritchie Ln is low, with 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 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 403 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
AT&T Fixed Wireless	100 / 20