1706 Saddle Dr, Gambrills, MD 21054 Property Records

Anne Arundel County property record for 1706 Saddle Dr, Gambrills, MD 21054

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,646 sqft · built 1995
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Mar 1994)
Tax Bill	$6,444 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-130-90036511`

Property Details

APN / Parcel Number

Primary APN	`04-130-90036511`
Alternative APNs	`413090036511` `13090036511`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,646 sqft Living Area
Gross Area	3,546 sqft
1st Floor Area	1,993 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	87,120 sqft
Garage Type	Attached
Garage Area	900 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	207 sqft
Deck Area	143 sqft
Patio Area	143 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	13090036511
Street Address	1706 SADDLE DR
City	GAMBRILLS
State	MD
Zip	21054-1100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD
Legal Description	LT 4 BK D SC 5 PL 1 BRETTON WOODS
Legal Subdivision	BRETTON WOODS
Legal Block	D
Legal Lot Number	4
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	4
Census Block Group	1
Census Block	1005
Census Tract	741000

Owner

1706 Saddle Dr is owned and occupied by two individuals who bought it in March 1994.

Source: Anne Arundel County records, as of September 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1706 SADDLE DR, GAMBRILLS, MD 21054-1100
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 1994 · Amount on File
Deed Sale	Mar 14, 1994 · Amount on File
Deed Book / Page	6527 / 287
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	1706 SADDLE DR, GAMBRILLS, MD 21054-1100
Document Number	0317450151
Book / Page	031745 / 000151
Instrument Date	Dec 8, 2017
Transaction Type	Mortgage
Record Updated	Feb 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1706 SADDLE DR GAMBRILLS MD 210541100, GAMBRILLS, MD 21054-1100

Mortgage

Document Number	0317450151
Date	Jan 11, 2018
Book Page	031745/000151

Lender

Name	COLUMBIA BK
Type	Bank
Address	COLUMBIA, MD 21046

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1706 Saddle Dr was $6,444 with a homeowner's exemption.

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		$677,267	$781,200 Land $303,000 Building $478,200
2025	$6,444.00
2023	$5,534.00 Homeowner's exemption	$583,967	$625,300 Land $275,000 Building $350,300

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

Flood

FEMA maps place 1706 Saddle Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2018 · other causes

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 1706 Saddle Dr 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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
Believe Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20