17 Sands Ave, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 17 Sands Ave, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,226 sqft · built 1932
Lot Size	0.543 acres (23,650 sqft)
Owner	Individual Name on Record
Last Sale	$1,600,000 (Jun 2020)
Tax Bill	$29,649 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-047-00215607`

Property Details

APN / Parcel Number

Primary APN	`02-047-00215607`
Alternative APNs	`2-047-00215607` `04700215607`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,226 sqft Living Area
1st Floor Area	1,694 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	23,650 sqft (0.543 acres)
View / Lot	Waterfront
Garage Area	180 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	302 sqft
Deck Area	128 sqft
Patio Area	320 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Municipal

Location & Zoning

Account Number	04700215607
Street Address	17 SANDS AVE
City	ANNAPOLIS
State	MD
Zip	21403-4426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LTS 9 10 SC 1 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	9
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4002
Census Tract	702602

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 Record
Mailing Address	206 6TH ST NE, WASHINGTON, DC 20002-6010
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jun 12, 2020	Deed, Transfer · Conventional Mortgage UNITED BANK
Sep 19, 2018	Deed of Trust, Mortgage CONNOR HANLEY
Oct 15, 2018	Grant Deed, Transfer JENNIFER CROTEAU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2020 · Amount on Record
Deed Sale	Jun 12, 2020 · Amount on Record
Prior Sale	Oct 15, 2018 · Amount on Record
Deed Book / Page	34734 / 73
Prior Transfer Date	Sep 19, 2018
Prior Transfer Doc	3256000019
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	17 SANDS AVE, ANNAPOLIS, MD 21403-4426
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0380590409
Date	Dec 10, 2021
Book Page	38059/409

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.65%
Type Change Date	Jan 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.65%
Index	Other
Margin	3
Max Rate	7.65%

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 12, 2020
Property Address	17 SANDS AVE, ANNAPOLIS, MD 21403-4426
Document Number	0347340073
Book / Page	34734 / 73
Map Reference	MB 3 PL 44
Instrument Date	Mar 2, 2020
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	KVS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,000.00
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	17 SANDS AVE, ANNAPOLIS, MD 21403-4426

Mortgage

Document Number	0003473476
Date	Jun 12, 2020
Instrument	34734/76

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.62%
Index	1-Year CMT
Margin	3
Max Rate	9.62%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	17 SANDS AVE, ANNAPOLIS, MD 21403-4426
Document Number	0327800374
Instrument Date	Sep 19, 2018
Transaction Type	Mortgage
Record Updated	Jan 17, 2019
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	17 SANDS AVE ANNAPOLIS MD 214034426, ANNAPOLIS, MD 21403-4426

Mortgage

Document Number	0327800374
Date	Jan 4, 2019
Book Page	032780/000374

Lender

Name	CONNOR HANLEY
Address	315 W 23RD ST # 2D, NEW YORK, NY 10011-2248

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 3, 2024

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 15, 2018
Property Address	17 SANDS AVE, ANNAPOLIS, MD 21403-4426
Document Number	0325680019
Book / Page	032568 / 000019
Instrument Date	Sep 19, 2018
Transaction Type	Transfer
Record Updated	Nov 7, 2018
Title Company	CHAMPION TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,800.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	17 SANDS AVE ANNAPOLIS MD 214034426, ANNAPOLIS, MD 21403-4426

Mortgage

Document Number	325680026
Date	Oct 15, 2018
Book Page	032568/000026

Lender

Name	JENNIFER CROTEAU
Address	315 W 23RD ST # 2D, NEW YORK, NY 10011-2248

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Oct 14, 2023

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		$2,998,400 (+17.43%) Land $2,638,600 Building $359,800	$2,998,400 (-) Land $2,638,600 Building $359,800
2025	$29,649.00 (+19.42%)	$2,553,433 (+53.5%)	$2,998,400 (+80.25%) Land $2,638,600 Building $359,800
2024	$24,828.00 (+36.68%)
2023	$18,165.00	$1,663,500 Land $1,391,700 Building $271,800	$1,663,500 Land $1,391,700 Building $271,800

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	7 (2003–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2024 · river or lake flooding
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	Not rated no burnable land within 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 117 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

4G LTE only, no 5G reported

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