20 Enclave Ct, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 20 Enclave Ct, Annapolis, MD 21403

Property Summary

Property Type	Townhouse
Details	3.5 ba · 3,126 sqft · built 2018
Lot Size	0.041 acres (1,787 sqft)
Owner	2 Individual Names on Record
Last Sale	$572,174 (Nov 2018)
Tax Bill	$8,147 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Jun 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`06-200-90244486`

Property Details

APN / Parcel Number

Primary APN	`06-200-90244486`
Alternative APNs	`6-200-90244486` `20090244486`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,126 sqft Living Area
Gross Area	3,486 sqft
1st Floor Area	814 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,787 sqft (0.041 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	20090244486
Street Address	20 ENCLAVE CT
City	ANNAPOLIS
State	MD
Zip	21403-4675
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3
Legal Description	LOT 10 THE ENCLAVE ON SPA
Legal Subdivision	THE ENCLAVE ON SPA
Legal Block	2
Legal Lot Number	10
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2005
Census Tract	706403

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	20 ENCLAVE CT, ANNAPOLIS, MD 21403-4675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage K HOVNANIAN AMERICAN MORTGAGE LLC
Jun 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 19, 2021	Intrafamily Transfer, Transfer
Apr 26, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Nov 30, 2018	Deed, Subdivision Related Transfer · Conventional Mortgage K HOVNANIAN AMERICAN MORTGAGE LLC
Nov 15, 2017	Quit Claim Deed, Transfer FOUNDERS TITLE COMPANY, FOUNDERS TITLE AGCY/MD LLC
Apr 12, 2017	Grant Deed, Mortgage · Line of Credit WILMINGTON TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2018 · Amount on Record
Deed Sale	Nov 30, 2018 · Amount on Record
Prior Sale	Nov 23, 2016 · Amount on Record
Deed Book / Page	32697 / 214
Last Transfer Date	May 29, 2021
Transfer Doc	0377350125
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	20 ENCLAVE CT, ANNAPOLIS, MD 21403-4675
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	FOUNDERS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0329550001
Date	Mar 14, 2019
Book Page	32955/001

Lender

Name	K HOVNANIAN AMERICAN MORTGAGE LLC
Type	Mortgage Company
Address	BOYNTON BEACH, FL 33426

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 1, 2048

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	20 ENCLAVE CT, ANNAPOLIS, MD 21403-4675
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0346660083
Date	Jun 2, 2020
Book Page	34666/83

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 19, 2021
Property Address	20 ENCLAVE CT, ANNAPOLIS, MD 21403-4675
Document Number	0377350125
Book / Page	37735 / 125
Map Reference	MB 340 PG 10-11
Instrument Date	May 29, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	20 ENCLAVE CT, ANNAPOLIS, MD 21403-4675

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 26, 2021
Property Address	20 ENCLAVE CT, ANNAPOLIS, MD 21403-4675
Document Number	0366290491
Book / Page	36629 / 491
Map Reference	MB 340 PG 10&11
Instrument Date	Feb 17, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 ENCLAVE CT, ANNAPOLIS, MD 21403-4675

Mortgage

Document Number	0036629495
Date	Apr 26, 2021
Instrument	36629/495

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Mar 1, 2036

November 2018: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 30, 2018
Property Address	20 ENCLAVE CT, ANNAPOLIS, MD 21403-4675
Document Number	0326970214
Book / Page	32697 / 214
Map Reference	MB340 PG10-11
Instrument Date	Nov 15, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2022
Title Company	FOUNDERS TITLE AGENCY OF MAR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,582.61
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
Relationship	Revocable Living Trust
Address	20 ENCLAVE CT, ANNAPOLIS, MD 21403-4675

Mortgage

Document Number	0032697220
Date	Nov 30, 2018
Instrument	32697/220

Lender

Name	K HOVNANIAN AMERICAN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 15, 2017
Property Address	20 ENCLAVE CT, ANNAPOLIS, MD 21403-4675
Document Number	0315690412
Book / Page	031569 / 000412
Instrument Date	Oct 4, 2017
Transaction Type	Transfer
Record Updated	Dec 18, 2018
Title Company	FOUNDERS TITLE COMPANY, FOUNDERS TITLE AGCY/MD LLC

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1802 BRIGHTSEAT RD LANDOVER MD 207854232, LANDOVER, MD 20785-4232

April 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 12, 2017
Property Address	20 ENCLAVE CT, ANNAPOLIS, MD 21403-4675
Document Number	0308190225
Book / Page	030819 / 000225
Instrument Date	Mar 6, 2017
Transaction Type	Mortgage
Record Updated	Jul 19, 2017

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	110 W FRONT ST RED BANK NJ 077011139, RED BANK, NJ 07701-1139

Mortgage

Document Number	308190225
Date	Apr 12, 2017
Book Page	030819/000225

Lender

Name	WILMINGTON TR
Address	1100 N MARKET ST, WILMINGTON, DE 19890-1100

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 11, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$661,100 (+6.1%) Land $180,000 Building $481,100	$661,100 (-) Land $180,000 Building $481,100
2025	$8,147.00 (+4.61%) Homeowner's exemption	$623,100 (+13.89%)	$661,100 (+20.84%) Land $180,000 Building $481,100
2024	$7,788.00 (+5.17%)
2023	$7,405.00 Homeowner's exemption	$547,100 Land $180,000 Building $367,100	$547,100 Land $180,000 Building $367,100

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

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
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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 257 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

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