1638 Stream Valley Overlook, Severn, MD 21144 Property Records

Anne Arundel County property record for 1638 Stream Valley Overlook, Severn, MD 21144

Property Summary

Property Type	Exempt (Full or Partial)
Details	3.5 ba · 5,697 sqft · built 2019
Lot Size	0.387 acres (16,847 sqft)
Owner	2 Individual Names on File
Last Sale	$769,599 (Oct 2019)
Tax Bill	$524 (2025)
Deeds & Mortgages	Feb 2023 Transfer Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-494-90237594`

Property Details

APN / Parcel Number

Primary APN	`04-494-90237594`
Alternative APNs	`4-494-90237594` `49490237594`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,697 sqft Gross Area
1st Floor Area	1,802 sqft
Basement Area	1,445 sqft
Finished Basement	1,445 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding Sheathing
Roof Material	Composition Shingle
Lot Area	16,847 sqft (0.387 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	92 sqft
Deck Area	255 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	49490237594
Street Address	1638 STREAM VALLEY OVERLOOK
City	SEVERN
State	MD
Zip	21144-1175
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R2
Legal Description	LOT 2 MIKLASZ PROPERTY
Legal Subdivision	MIKLASZ PROPERTY
Legal Block	1
Legal Lot Number	2
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	1
Census Block Group	1
Census Block	1017
Census Tract	740104

Owner

1638 Stream Valley Overlook is owned and occupied by two individuals who acquired it in February 2023.

Source: Anne Arundel County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1638 STREAM VALLEY OVERLOOK, SEVERN, MD 21144-1175
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Feb 17, 2023	Intrafamily Transfer, Transfer
Apr 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jun 24, 2020	Quit Claim Deed, Transfer BRENNAN TITLE
Oct 30, 2019	Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2019 · Amount on File
Deed Sale	Oct 30, 2019 · Amount on File
Deed Book / Page	33772 / 441
Last Transfer Date	Feb 10, 2023
Transfer Doc	3946000412
Record Updated	Oct 29, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Feb 17, 2023
Property Address	1638 STREAM VALLEY OVERLOOK, SEVERN, MD 21144-1175
Document Number	0394630412
Book / Page	39463 / 412
Map Reference	MB 320 FO 42 PL16568
Instrument Date	Feb 10, 2023
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Living Trust
Address	1638 STREAM VALLEY OVERLOOK, SEVERN, MD 21144-1175

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1638 STREAM VALLEY OVERLOOK, SEVERN, MD 21144-1175
Transaction Type	Mortgage
Record Updated	Apr 27, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 STREAM VALLEY OVERLOOK, SEVERN, MD 21144-1175

Mortgage

Document Number	0385860312
Date	Apr 11, 2022
Book Page	38586/312

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 24, 2020
Property Address	1638 STREAM VALLEY OVERLOOK, SEVERN, MD 21144-1175
Document Number	0347920437
Book / Page	034792 / 000437
Instrument Date	Jun 24, 2020
Transaction Type	Transfer
Record Updated	Jul 15, 2020
Title Company	BRENNAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1638 STREAM VALLEY OVERLOOK CROFTON MD 21114, CROFTON, MD 21114

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 30, 2019
Property Address	1638 STREAM VALLEY OVERLOOK, SEVERN, MD 21144-1175
Document Number	0337720441
Book / Page	33772 / 441
Map Reference	MB320 FO42 PL16568
Instrument Date	Oct 25, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	WESTMINSTER TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,543.99
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	1638 STREAM VALLEY OVERLOOK, SEVERN, MD 21144-1175

Mortgage

Document Number	33772447
Date	Oct 30, 2019
Instrument	33772/447

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1638 Stream Valley Overlook was $524 with a homeowner's exemption, up 4.4% 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
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$877,600 (-4.86%) Land $203,900 Building $673,700	$877,600 (-4.86%) Land $203,900 Building $673,700
2025	$524.00 (+4.38%) Homeowner's exemption	$922,400 Land $188,900 Building $733,500	$922,400 Land $188,900 Building $733,500
2024	$502.00
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$803,333	$922,400 Land $188,900 Building $733,500

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

Flood

FEMA maps place 1638 Stream Valley Overlook in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2008.

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
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2008–2026)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 2026 · 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 1638 Stream Valley Overlook is low, with less than 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 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.

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 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Believe Broadband Fixed Wireless	500 / 100
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Xfinity.

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