Anne Arundel County property record for 1712 Saddle Dr, Gambrills, MD 21054
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 4,766 sqft · built 1995 |
| Lot Size | 2.01 acres (87,991 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $675,000 (Mar 2020) |
| Tax Bill | $8,665 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-130-90036514 |
| Primary APN | 04-130-90036514 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,766 sqft Living Area |
| Gross Area | 5,196 sqft |
| 1st Floor Area | 2,104 sqft |
| Basement Area | 1,204 sqft |
| Finished Basement | 1,204 sqft |
| Utility Area | 168 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 87,991 sqft |
| Garage Type | Attached |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 168 sqft |
| Deck Area | 225 sqft |
| Patio Area | 486 sqft |
| Shed | 1 Shed |
| Shed Area | 168 sqft |
| Gazebo | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 13090036514 |
|---|---|
| Street Address | 1712 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 7 BK D SC 5 PL 1 BRETTON WOODS |
| Legal Subdivision | BRETTON WOODS |
| Legal Block | D |
| Legal Lot Number | 7 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 741000 |
1712 Saddle Dr is owned and occupied by two individuals who bought it in March 2020.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1712 SADDLE DR, GAMBRILLS, MD 21054-1100 |
| 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.
| Date | Document |
|---|---|
| Dec 10, 2021 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Mar 20, 2020 | Deed, Transfer · Conventional Mortgage PENTAGON FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2020 · Amount on File |
| Deed Sale | Mar 20, 2020 · Amount on File |
| Prior Sale | Aug 7, 2014 · Amount on File |
| Deed Book / Page | 34343 / 198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 1712 SADDLE DR, GAMBRILLS, MD 21054-1100 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0380560423 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | 38056/423 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 2, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Mar 20, 2020 |
| Property Address | 1712 SADDLE DR, GAMBRILLS, MD 21054-1100 |
| Document Number | 0343430198 |
| Book / Page | 34343 / 198 |
| Map Reference | MB 87 FO 13 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | KENSINGTON REALTY TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,437.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1712 SADDLE DR, GAMBRILLS, MD 21054-1100 |
| Document Number | 3434205 |
|---|---|
| Date | Mar 20, 2020 |
| Instrument | 3434/205 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2025 property tax bill for 1712 Saddle Dr was $8,665 with a homeowner's exemption.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $882,300 | $1,000,100 Land $303,000 Building $697,100 | |
| 2025 | $8,665.00 | ||
| 2023 | $7,623.00 Homeowner's exemption | $728,467 | $823,400 Land $275,000 Building $548,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1712 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 risk around 1712 Saddle Dr 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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