Anne Arundel County property record for 2 Ridge Rd, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,400 sqft · built 1965 |
| Lot Size | 0.338 acres (14,720 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $675,000 (Dec 2009) |
| Tax Bill | $13,180 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Dec 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-970-08389000 |
| Primary APN | 06-970-08389000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,400 sqft Living Area |
| Gross Area | 2,940 sqft |
| 1st Floor Area | 1,212 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 14,720 sqft (0.338 acres) |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 192 sqft |
| Deck Area | 24 sqft |
| Patio Area | 672 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 97008389000 |
|---|---|
| Street Address | 2 RIDGE RD |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-1201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LT 3 WARDOUR |
| Legal Subdivision | WARDOUR |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 706600 |
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 | 2 RIDGE RD, ANNAPOLIS, MD 21401-1201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 28, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Dec 1, 2022 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jan 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Nov 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2009 · Amount on Record |
| Deed Sale | Dec 7, 2009 · Amount on Record |
| Prior Sale | Apr 11, 2003 |
| Deed Document Number | 20099256 |
| Deed Book / Page | 21729 / 389 |
| Transfer Doc | 0000004922 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 2 RIDGE RD, ANNAPOLIS, MD 21401-1201 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2 RIDGE RD, ANNAPOLIS, MD 21401-1201 |
| Investor | Possibly a Property Investor |
| Document Number | 0398220199 |
|---|---|
| Date | Jul 28, 2023 |
| Book Page | 39822/199 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 473 Months |
| Due | Dec 1, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 2 RIDGE RD, ANNAPOLIS, MD 21401-1201 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2 RIDGE RD, ANNAPOLIS, MD 21401-1201 |
| Document Number | 0393030180 |
|---|---|
| Date | Dec 1, 2022 |
| Book Page | 39303/180 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Dec 1, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 2 RIDGE RD, ANNAPOLIS, MD 21401-1201 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MID ATLANTIC SETMNT SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0341330416 |
|---|---|
| Date | Jan 29, 2020 |
| Book Page | 34133/416 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 2 RIDGE RD, ANNAPOLIS, MD 21401-1201 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MID ATLANTIC SETMNT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 2 RIDGE RD, ANNAPOLIS, MD 21401-1201 |
| Document Number | 0356650484 |
|---|---|
| Date | Nov 25, 2020 |
| Book Page | 35665/484 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 1, 2050 |
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 | $1,527,100 (+89.07%) Land $1,111,300 Building $415,800 | $1,527,100 (+89.07%) Land $1,111,300 Building $415,800 | |
| 2025 | $13,180.00 (+13.88%) | ||
| 2023 | $11,574.00 Homeowner's exemption | $807,700 Land $544,300 Building $263,400 | $807,700 Land $544,300 Building $263,400 |
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 VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 3 (1979–2003) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2003 · Hurricane Isabel |
| Claims by Event |
|
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 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 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 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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