Anne Arundel County property record for 2003 Phillips Ter, Unit 11, Annapolis, MD 21401
| Property Type | Condominium |
|---|---|
| Details | 2 ba · 1,114 sqft · built 1995 |
| Lot Size | 0.026 acres (1,114 sqft) |
| Owner | Individual Name on File |
| Last Sale | $240,000 (Jun 2018) |
| Tax Bill | $2,680 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-961-90087009 |
| Primary APN | 02-961-90087009 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Units | 13 Units |
| Building Area | 1,114 sqft Living Area |
| 1st Floor Area | 1,114 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Condo/Apartment |
| Lot Area | 1,114 sqft (0.026 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 96190087009 |
|---|---|
| Street Address | 2003 PHILLIPS TER, 11 |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-8170 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R15 |
| Legal Description | U 11 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 |
2003 Phillips Ter, Unit 11 is owned and occupied by an individual who bought it in June 2018.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2003 PHILLIPS TER, 11, ANNAPOLIS, MD 21401-8170 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jan 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Jun 11, 2018 | Grant Deed, Transfer · Conventional Mortgage EMBRACE HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2018 · Amount on File |
| Deed Sale | Jun 11, 2018 · Amount on File |
| Prior Sale | Sep 25, 1995 · Amount on File |
| Deed Book / Page | 32188 / 326 |
| Prior Transfer Date | Jan 20, 2016 |
| Prior Transfer Doc | 0294020171 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 2003 PHILLIPS TER UNIT 11, 11, ANNAPOLIS, MD 21401-8170 |
| Document Number | 0341680471 |
| Instrument Date | Jan 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2020 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 2003 PHILLIPS TER #11 ANNAPOLIS MD 214018170, 11, ANNAPOLIS, MD 21401-8170 |
| Document Number | 0341680471 |
|---|---|
| Date | Feb 7, 2020 |
| Book Page | 034168/000471 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 6, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jun 11, 2018 |
| Property Address | 2003 PHILLIPS TER UNIT 11, 11, ANNAPOLIS, MD 21401-8170 |
| Document Number | 0321880326 |
| Book / Page | 032188 / 000326 |
| Instrument Date | Jun 5, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2018 |
| Title Company | LAKESIDE TITLE COMPANY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2003 PHILLIPS TER #11 ANNAPOLIS MD 214018170, 11, ANNAPOLIS, MD 21401-8170 |
| Document Number | 321880334 |
|---|---|
| Date | Jun 11, 2018 |
| Book Page | 032188/000334 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 10, 2048 |
The 2025 property tax bill for 2003 Phillips Ter, Unit 11 was $2,680 with a homeowner's exemption, up 1.7% from the year before.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $284,000 (+8.52%) | $328,600 (+25.56%) Land $164,300 Building $164,300 | |
| 2025 | $2,680.00 (+1.71%) Homeowner's exemption | $261,700 Land $130,800 Building $130,900 | $261,700 Land $130,800 Building $130,900 |
| 2024 | $2,635.00 (+3.33%) | ||
| 2023 | $2,550.00 | $239,433 | $261,700 Land $130,800 Building $130,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2003 Phillips Ter, Unit 11 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 risk around 2003 Phillips Ter, Unit 11 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.
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 |
| 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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures