Anne Arundel County property record for 178 Dividing Ct, Arnold, MD 21012
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,378 sqft · built 1977 |
| Lot Size | 0.757 acres (32,965 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $730,000 (Mar 2020) |
| Tax Bill | $11,787 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 03-877-28751335 |
| Primary APN | 03-877-28751335 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 3,178 sqft Living Area |
| Gross Area | 3,990 sqft |
| 1st Floor Area | 2,378 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Utility Area | 372 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Foyer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 32,965 sqft (0.757 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Enclosed Breezeway |
| Porch Area | 152 sqft |
| Deck Area | 650 sqft |
| Patio Area | 696 sqft |
| Breezeway | Breezeway |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 87728751335 |
|---|---|
| Street Address | 178 DIVIDING CT |
| City | ARNOLD |
| State | MD |
| Zip | 21012-1026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 32 SC 5 TWIN HARBOR |
| Legal Subdivision | TWIN HARBOR |
| Legal Block | 1 |
| Legal Lot Number | 32 |
| 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 | 178 DIVIDING CT, ARNOLD, MD 21012-1026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC |
| Mar 20, 2020 | Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2020 · Amount on Record |
| Deed Sale | Mar 20, 2020 · Amount on Record |
| Deed Book / Page | 34343 / 435 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 178 DIVIDING CT, ARNOLD, MD 21012-1026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0378570433 |
|---|---|
| Date | Nov 4, 2021 |
| Book Page | 37857/433 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Address | GLEN BURNIE, MD 21060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Mar 20, 2020 |
| Property Address | 178 DIVIDING CT, ARNOLD, MD 21012-1026 |
| Document Number | 0343430435 |
| Book / Page | 34343 / 435 |
| Map Reference | MB 53 PG 14 |
| Instrument Date | Mar 16, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | LIBERTY T&E OF MD LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,950.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 178 DIVIDING CT, ARNOLD, MD 21012-1026 |
| Document Number | 3434443 |
|---|---|
| Date | Mar 20, 2020 |
| Instrument | 3434/443 |
| Name | STATE EMPLOYEES CU OF MARYLAND INC |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 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 | $1,294,967 (+31.33%) | $1,439,000 (+42.91%) Land $933,400 Building $505,600 | |
| 2025 | $11,787.00 (+9.47%) | ||
| 2023 | $10,767.00 | $986,033 | $1,006,900 Land $661,900 Building $345,000 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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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