1609 Ridout Rd, Annapolis, MD 21409 Property Records

Anne Arundel County property record for 1609 Ridout Rd, Annapolis, MD 21409

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,831 sqft · built 1971
Lot Size	0.689 acres (30,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$690,000 (Sep 2018)
Tax Bill	$8,667 (2025)
Deeds & Mortgages	May 2021 Line of Credit Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-025-32851908`

Property Details

APN / Parcel Number

Primary APN	`03-025-32851908`
Alternative APNs	`3-025-32851908` `02532851908`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,831 sqft Living Area
Gross Area	3,271 sqft
1st Floor Area	1,310 sqft
Basement Area	585 sqft
Finished Basement	585 sqft
Utility Area	220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	30,000 sqft (0.689 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	224 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	02532851908
Street Address	1609 RIDOUT RD
City	ANNAPOLIS
State	MD
Zip	21409-5536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 13 BK D PL 2 AMBERLEY
Legal Subdivision	AMBERLEY
Legal Block	D
Legal Lot Number	13
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	2
Census Block	2007
Census Tract	730902

Owner

Source: Anne Arundel County records, as of September 8, 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	2 Individual Names on Record
Mailing Address	1609 RIDOUT RD, ANNAPOLIS, MD 21409-5536
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Sep 20, 2018	Deed, Transfer · Conventional Mortgage FIDELITY BANK
Nov 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOWARD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2018 · Amount on Record
Deed Sale	Sep 20, 2018 · Amount on Record
Prior Sale	Jul 13, 2012 · Amount on Record
Deed Book / Page	32498 / 392
Transfer Doc	0111890181
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1609 RIDOUT RD, ANNAPOLIS, MD 21409-5536
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0366920423
Date	May 3, 2021
Book Page	36692/423

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Sep 20, 2018
Property Address	1609 RIDOUT RD, ANNAPOLIS, MD 21409-5536
Document Number	0324980392
Book / Page	32498 / 392
Map Reference	MB22 FO 36
Instrument Date	Sep 13, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LIBERTY TITLE & ESCROW MAR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,350.00
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	1609 RIDOUT RD, ANNAPOLIS, MD 21409-5536

Mortgage

Document Number	0032498399
Date	Sep 20, 2018
Instrument	32498/399

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1609 RIDOUT RD, ANNAPOLIS, MD 21409-5536
Document Number	0315750001
Book / Page	031575 / 000001
Instrument Date	Nov 10, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	RAILWAY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1609 RIDOUT RD ANNAPOLIS MD 214095536, ANNAPOLIS, MD 21409-5536

Mortgage

Document Number	0315750001
Date	Nov 16, 2017
Book Page	031575/000001

Lender

Name	HOWARD BK
Type	Bank
Address	ELLICOTT CITY, MD 21043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2047

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		$817,700 (+4.53%)	$853,100 (-) Land $453,500 Building $399,600
2025	$8,667.00 (+2.88%) Homeowner's exemption	$782,300 (+8.17%)	$853,100 (+14.22%) Land $453,500 Building $399,600
2024	$8,424.00 (+6.67%)
2023	$7,897.00	$723,233	$746,900 Land $438,500 Building $308,400

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 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	7 (1987–2020)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Aug 2020 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% 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	GLEN BURNIE-BROADNECK serves 290,606 people · EPA ID MD0020017
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2016–2018) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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