186 Waldo Rd, Pasadena, MD 21122 Property Records

Anne Arundel County property record for 186 Waldo Rd, Pasadena, MD 21122

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,280 sqft · built 2022
Lot Size	2.48 acres (108,029 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,300,000 (Jan 2024)
Tax Bill	$11,549 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Sep 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-000-90046418`

Property Details

APN / Parcel Number

Primary APN	`03-000-90046418`
Alternative APNs	`3-000-90046418` `00090046418`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,280 sqft Living Area
Gross Area	3,786 sqft
1st Floor Area	1,786 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	108,029 sqft
View / Lot	Waterfront
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	00090046418
Street Address	186 WALDO RD
City	PASADENA
State	MD
Zip	21122-5231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 1 DENNER PROPERTY
Legal Subdivision	DENNER PROPERTY
Legal Block	1
Legal Lot Number	1
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	3
Census Block Group	1
Census Block	1004
Census Tract	731205

Owner

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	186 WALDO RD, PASADENA, MD 21122-5231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2024	Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Sep 13, 2021	Deed of Trust, Mortgage · Construction Mortgage FLAGSTAR BANK FSB
Nov 9, 2018	Deed, Transfer · ARM FIRST NATIONAL BANK OF PENNSYLVANIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2024 · Amount on Record
Deed Sale	Jan 17, 2024 · Amount on Record
Prior Sale	Nov 9, 2018 · Amount on Record
Deed Book / Page	40183 / 435
Record Updated	Oct 29, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jan 17, 2024
Property Address	186 WALDO RD, PASADENA, MD 21122-5231
Document Number	0401830435
Book / Page	40183 / 435
Map Reference	MB 173 PG 44
Instrument Date	Aug 18, 2023
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,250.00
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 by the Entirety
Address	186 WALDO RD, PASADENA, MD 21122-5231

Mortgage

Document Number	0040183442
Date	Jan 17, 2024
Instrument	40183/442

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Sep 1, 2053

Mortgage

Document Number	0401830458
Date	Jan 17, 2024
Book Page	40183/458

Lender

Name	SPECTRA FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22312

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	355 Months
Due	Aug 18, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	186 WALDO RD, PASADENA, MD 21122-5231
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 WALDO RD, PASADENA, MD 21122-5231

Mortgage

Document Number	0375120172
Date	Sep 13, 2021
Book Page	37512/172

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Oct 1, 2052

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 9, 2018
Property Address	186 WALDO RD, PASADENA, MD 21122-5231
Document Number	0326470424
Book / Page	32647 / 424
Instrument Date	Oct 29, 2018
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	FREESTATE TITLE SVCS OF ANNA

Transaction

Amount	Amount Recorded
Tax	$3,390.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 BRACEY DR, PASADENA, MD 21122

Mortgage

Document Number	0032647428
Date	Nov 9, 2018
Instrument	32647/428

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	372 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

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		$1,171,033 (+8.91%)	$1,266,800 (-) Land $626,000 Building $640,800
2025	$11,549.00 (+189.01%) Homeowner's exemption	$1,075,267 (+193.79%)	$1,266,800 (+223.99%) Land $626,000 Building $640,800
2023	$3,996.00	$366,000	$391,000 Land $391,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AE, within 500 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.

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	0.02% 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 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50

May also be available: Believe Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

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