Anne Arundel County property record for 198 Acton Rd, Annapolis, MD 21403
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,779 sqft · built 1940 |
| Lot Size | 0.256 acres (11,140 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,350,000 (May 2026) |
| Tax Bill | $11,094 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-829-05188700 |
| Primary APN | 06-829-05188700 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,779 sqft Living Area |
| 1st Floor Area | 1,395 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,140 sqft (0.256 acres) |
| View / Lot | Waterfront |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 432 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 82905188700 |
|---|---|
| Street Address | 198 ACTON RD |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21403-1102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LTS 52 53 TRUXTON HEIGHTS |
| Legal Subdivision | TRUXTON HEIGHTS |
| Legal Block | 2 |
| Legal Lot Number | 52 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 706403 |
198 Acton Rd is owned and occupied by two individuals who bought it in May 2026.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 198 ACTON RD, ANNAPOLIS, MD 21403-1102 |
| 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 6, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA |
| May 29, 2026 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 29, 2026 · Amount on File |
| Deed Sale | May 29, 2026 · Amount on File |
| Prior Sale | Mar 27, 1998 · Amount on File |
| Deed Book / Page | 42395 / 500 |
| Prior Transfer Date | Oct 14, 2009 |
| Prior Transfer Doc | 0216470140 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 198 ACTON RD, ANNAPOLIS, MD 21403-1102 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2026 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 198 ACTON RD, ANNAPOLIS, MD 21403-1102 |
| Document Number | 0393170119 |
|---|---|
| Date | Dec 6, 2022 |
| Book Page | 39317/119 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | BALTIMORE, MD 21202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 298 Months |
| Due | Oct 28, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | May 29, 2026 |
| Property Address | 198 ACTON RD, ANNAPOLIS, MD 21403-1102 |
| Document Number | 4239000500 |
| Book / Page | 42395 / 500 |
| Instrument Date | May 22, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Title Company | VS TITLE, KVS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,373,500.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 198 ACTON RD, ANNAPOLIS, MD 21403-1102 |
| Document Number | 4239000507, |
|---|---|
| Date | May 29, 2026 |
| Book Page | 42395/507 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 198 Acton Rd was $11,094, up 1.4% from the year before.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Municipality | Annapolis City |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $954,000 (+1.47%) Land $782,100 Building $171,900 | $954,000 (-) Land $782,100 Building $171,900 | |
| 2025 | $11,094.00 (+1.44%) Homeowner's exemption | $940,200 | $954,000 Land $782,100 Building $171,900 |
| 2024 | $10,937.00 (+3.6%) | ||
| 2023 | $10,557.00 Homeowner's exemption | $912,600 Land $782,100 Building $130,500 | $912,600 Land $782,100 Building $130,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 198 Acton Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| 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 risk around 198 Acton Rd is low, with less than 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 93% of the US · lower than 85% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF ANNAPOLIS serves 35,000 people · EPA ID MD0020001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | 6 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 336 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures