196 Old River Rd, Arnold, MD 21012 Property Records

Anne Arundel County property record for 196 Old River Rd, Arnold, MD 21012

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,512 sqft · built 1977
Lot Size	0.229 acres (10,008 sqft)
Owner	2 Individual Names on File
Last Sale	$484,999 (Mar 2013)
Tax Bill	$5,515 (2023)
Deeds & Mortgages	Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-656-13091760`

Property Details

APN / Parcel Number

Primary APN	`03-656-13091760`
Alternative APNs	`365613091760` `65613091760`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,512 sqft Total Area
1st Floor Area	1,396 sqft
Basement Area	1,600 sqft
Finished Basement	1,600 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,008 sqft (0.229 acres)
Garage Type	Basement
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	180 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	65613091760
Old Parcel Number	365613091760
Street Address	196 OLD RIVER RD
City	ARNOLD
State	MD
Zip	21012-2434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 1 PL 2 196 OLD RIVER RD PINES ON SEVERN
Legal Subdivision	PINES/SEVERN 2
Legal Lot Number	1
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	1
Census Block	1017
Census Tract	730800

Owner

Source: Anne Arundel County records · APN 03-656-13091760

Assessment roll updated July 1, 2023 · Last verified September 2023

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 File
Mailing Address	196 OLD RIVER RD, ARNOLD, MD 21012-2434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 29, 2013 · Amount on Record
Deed Sale	Mar 29, 2013 · Amount on Record
Prior Sale	Jul 13, 2010 · Amount on Record
Deed Document Number	0025932454
Deed Book / Page	25932 / 454
Record Updated	Jun 07, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	196 OLD RIVER RD, ARNOLD, MD 21012-2434
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0319290275
Date	Mar 16, 2018
Book Page	31929/275

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 17, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Anne Arundel County records · Assessment roll updated July 1, 2023 · Last verified September 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Anne Arundel County
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$5,515.00 Homeowner's exemption	$505,100	$506,800 Land $276,000 Building $230,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	10 (1979–2012)
Claims Outside the SFHA	8 of 10
Most Recent Claim	Jul 2012 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 3 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims

Wildfire

Wildfire Risk	Low lower than 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 177 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	GLEN BURNIE-BROADNECK serves 290,606 people
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2016–2018) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.