2003 Phillips Ter, Unit 10, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 2003 Phillips Ter, Unit 10, Annapolis, MD 21401

Property Summary

Property Type	Condominium
Details	2 ba · 1,451 sqft · built 1995
Lot Size	0.026 acres (1,129 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Oct 2021)
Tax Bill	$3,180 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-961-90087008`

Property Details

APN / Parcel Number

Primary APN	`02-961-90087008`
Alternative APNs	`296190087008` `96190087008`

Interior

Full Baths	2 Baths
Units	13 Units
Building Area	1,451 sqft Living Area
1st Floor Area	1,451 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Condo/Apartment
Lot Area	1,129 sqft (0.026 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	96190087008
Street Address	2003 PHILLIPS TER, 10
City	ANNAPOLIS
State	MD
Zip	21401-8170
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R15
Legal Description	U 10 BLD 1 PH A WINDGATE CONDO
Legal Subdivision	WINDGATE CONDO
Legal Phase	A
Legal Block	2
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2006
Census Tract	702703

Owner

2003 Phillips Ter, Unit 10 is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2003 PHILLIPS TER, 10, ANNAPOLIS, MD 21401-8170
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2021 · Amount on File
Deed Sale	Oct 8, 2021 · Amount on File
Prior Sale	May 7, 2010 · Amount on File
Deed Book / Page	37686 / 54
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 8, 2021
Property Address	2003 PHILLIPS TER UNIT 10, 10, ANNAPOLIS, MD 21401-8170
Document Number	0376860054
Book / Page	37686 / 54
Map Reference	MB 74FO42-45PLE 3892
Instrument Date	Aug 31, 2021
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	EAGLE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,812.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	2003 PHILLIPS TER UNIT 10, 10, ANNAPOLIS, MD 21401-8170

Mortgage

Document Number	3768661
Date	Oct 8, 2021
Instrument	37686/61

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2003 Phillips Ter, Unit 10 was $3,180.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$309,533	$348,200 Land $174,100 Building $174,100
2025	$3,180.00
2023	$2,957.00	$270,800	$290,200 Land $145,100 Building $145,100

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

Flood

FEMA maps place 2003 Phillips Ter, Unit 10 in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 2003 Phillips Ter, Unit 10 is low, with 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 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	BROAD CREEK serves 26,033 people · EPA ID MD0020004
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2017–2019) 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 359 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20