Anne Arundel County property record for 176 Dividing Ct, Arnold, MD 21012
| Property Type | Exempt (Full or Partial) |
|---|---|
| Details | 4.5 ba · 3,989 sqft · built 1988 |
| Lot Size | 0.576 acres (25,091 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $995,000 (Jan 2020) |
| Tax Bill | $524 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Dec 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-877-90010964 |
| Primary APN | 03-877-90010964 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,989 sqft Gross Area |
| 1st Floor Area | 1,707 sqft |
| Basement Area | 918 sqft |
| Finished Basement | 918 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 25,091 sqft (0.576 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 374 sqft |
| Deck Area | 208 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 87790010964 |
|---|---|
| Street Address | 176 DIVIDING CT |
| City | ARNOLD |
| State | MD |
| Zip | 21012-1026 |
| Property Category | Other |
| Property Type | Other > Exempt (Full or Partial) |
| Local Zoning Code | R2 |
| Legal Description | LT 6R SC 7 TWIN HARBORS |
| Legal Subdivision | TWIN HARBORS |
| Legal Block | 1 |
| Legal Lot Number | 6R |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 731105 |
Source: Anne Arundel County records, as of September 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 176 DIVIDING CT, ARNOLD, MD 21012-1026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 18, 2022 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Dec 23, 2021 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Jan 31, 2020 | Grant Deed, Transfer NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2020 · Amount on Record |
| Deed Sale | Jan 31, 2020 · Amount on Record |
| Prior Sale | Oct 12, 2007 · Amount on Record |
| Deed Book / Page | 34141 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 176 DIVIDING CT, ARNOLD, MD 21012-1026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0389420199 |
|---|---|
| Date | Jul 18, 2022 |
| Book Page | 38942/199 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 23, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 176 DIVIDING CT, ARNOLD, MD 21012-1026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 176 DIVIDING CT, ARNOLD, MD 21012-1026 |
| Document Number | 0381230092 |
|---|---|
| Date | Dec 23, 2021 |
| Book Page | 38123/92 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jan 31, 2020 |
| Property Address | 176 DIVIDING CT, ARNOLD, MD 21012-1026 |
| Document Number | 0341410001 |
| Book / Page | 034141 / 000001 |
| Instrument Date | Jan 25, 2020 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2020 |
| Title Company | REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $995.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 176 DIVIDING CT ARNOLD MD 210121026, ARNOLD, MD 21012-1026 |
| Document Number | 341410009 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 034141/000009 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 30, 2050 |
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 | $1,322,300 (+33.72%) | $1,468,700 (+42.66%) Land $913,500 Building $555,200 | |
| 2025 | $524.00 | ||
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $988,867 | $1,029,500 Land $646,800 Building $382,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 199 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Believe Broadband Fixed Wireless | 500 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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