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20 Fleet St, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 20 Fleet St, Annapolis, MD 21401

Property Summary

Property TypeTownhouse
Details1 ba · 1,042 sqft · built 1900
Lot Size0.02 acres (888 sqft)
Owner2 Individual Names on File
Last Sale$655,000 (Jul 2024)
Tax Bill$8,188 (2025)
Deeds & MortgagesJun 2026 Mortgage
Jan 2022 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN06-000-07206700

Property Details

APN / Parcel Number

Primary APN06-000-07206700
Alternative APNs
  • 6-000-07206700
  • 00007206700

Interior

Full Baths1 Bath
Stories2 Stories
Building Area1,042 sqft Living Area
1st Floor Area533 sqft
AtticAttic
Attic Area120 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleTownhouse
Construction TypeFrame
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area888 sqft (0.02 acres)
Deck Area221 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number00007206700
Street Address20 FLEET ST
CityANNAPOLIS
StateMD
Zip21401-1712
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionLT ANNAPOLIS
Legal SubdivisionANNAPOLIS
Legal Block2
Legal Lot Number20
JurisdictionANNE ARUNDEL MD
Township / Civil Division6
Census Block Group2
Census Block2009
Census Tract706103

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Colonial Annapolis Historic District
listed 1966 · National Historic Landmark (designated 1965) · NRIS 66000383

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

20 Fleet St, a townhouse, is owned by two individuals who bought it in July 2024.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record2 Individual Names on File
Mailing Address2105 VALLEY AVE, WILMINGTON, DE 19810-2540
Owner TypeIndividual
VestingTenants 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.

Deeds, Mortgages & Sale History

DateDocument
Jun 24, 2026Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA
Jan 13, 2022Intrafamily Transfer, Transfer
Jan 31, 2019Deed, Transfer · Commercial Mortgage
REVERE BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 22, 2024 · Amount on File
Deed SaleJul 22, 2024 · Amount on File
Prior SaleJan 31, 2019 · Amount on File
Deed Book / Page40584 / 241
Prior Transfer DateSep 21, 2020
Prior Transfer Doc0382170104
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionANNE ARUNDEL MD
Recording DateJun 24, 2026
Property Address20 FLEET ST, ANNAPOLIS, MD 21401-1712
Document Number4247000073
Book / Page42476 / 73
Instrument DateApr 13, 2026
Transaction TypeMortgage
Record UpdatedJul 20, 2026
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety, 298
Address2105 VALLEY AVE, WILMINGTON, DE 19810-2540
InvestorPossibly a Property Investor

Mortgage

Document Number4247000073,
DateJun 24, 2026
Book Page42476/73
Lender
NameBANK OF AMERICA
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2056
Interest
Rate TypeFixed Rate
Rate6.11%
Initial TypeFixed Rate
Max Rate-1%

January 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionANNE ARUNDEL MD
Recording DateJan 13, 2022
Property Address20 FLEET ST, ANNAPOLIS, MD 21401-1712
Document Number0382170104
Book / Page38217 / 104
Instrument DateSep 21, 2020
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address2404 JENNIEVILLE DR, DAVIDSONVILLE, MD 21035-2044

January 2019: Deed, Transfer

Document TypeDeed
JurisdictionANNE ARUNDEL MD
Recording DateJan 31, 2019
Property Address20 FLEET ST, ANNAPOLIS, MD 21401-1712
Document Number0328490171
Book / Page32849 / 171
Instrument DateNov 14, 2018
Transaction TypeTransfer
Record UpdatedAug 10, 2022
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,250.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address2404 JENNIEVILLE DR, DAVIDSONVILLE, MD 21035-2044

Mortgage

Document Number0032849177
DateJan 31, 2019
Instrument32849/177
Lender
NameREVERE BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 20 Fleet St was $8,188, up 8.3% from the year before.

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

Property Jurisdictions

TypeName
StateMaryland
CountyAnne Arundel County
MunicipalityAnnapolis City
Unified School DistrictAnne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$616,700 (+7.93%) Land $430,000 Building $186,700$616,700 (-) Land $430,000 Building $186,700
2025$8,188.00 (+8.31%)$571,400$616,700 Land $430,000 Building $186,700
2024$7,560.00 (+9.5%)
2023$6,904.00$480,800 Land $395,000 Building $85,800$480,800 Land $395,000 Building $85,800

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

Flood

FEMA maps place 20 Fleet St in Zone X, an area of minimal flood risk, within 500 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 25 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies25 in force
Nearby Flood Claims5 (2021–2024)
Most Recent ClaimJan 2024 · tidal / storm surge

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

Wildfire risk around 20 Fleet St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 93% of the US · lower than 85% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemCITY OF ANNAPOLIS
serves 35,000 people · EPA ID MD0020001
Water SourceGroundwater
Last State InspectionFeb 2025
Lead6 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 503 locations within half a mile, as of December 31, 2025

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

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