2003 Phillips Ter, Unit 5, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 2003 Phillips Ter, Unit 5, Annapolis, MD 21401

Property Summary

Property Type	Condominium
Details	2 ba · 1,127 sqft · built 1995
Lot Size	0.026 acres (1,127 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Aug 2009)
Tax Bill	$2,711 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-961-90087003`

Property Details

APN / Parcel Number

Primary APN	`02-961-90087003`
Alternative APNs	`296190087003` `96190087003`

Interior

Full Baths	2 Baths
Units	13 Units
Building Area	1,127 sqft Living Area
1st Floor Area	1,127 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Condo/Apartment
Lot Area	1,127 sqft (0.026 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	96190087003
Street Address	2003 PHILLIPS TER, 5
City	ANNAPOLIS
State	MD
Zip	21401-8169
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R15
Legal Description	U 5 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

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	Individual Name on Record
Mailing Address	2003 PHILLIPS TER, 5, ANNAPOLIS, MD 21401-8169
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2009 · Amount on Record
Deed Sale	Aug 21, 2009 · Amount on Record
Prior Sale	Dec 20, 2006 · Amount on Record
Deed Document Number	20096208
Deed Book / Page	21452 / 234
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	2003 PHILLIPS TER UNIT 5, 5, ANNAPOLIS, MD 21401-8169
Transaction Type	Mortgage
Record Updated	Jun 4, 2021
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0362740332
Date	Mar 4, 2021
Book Page	36274/332

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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		$287,333 (+18.6%)	$332,400 (+25.53%) Land $166,200 Building $166,200
2025	$2,711.00 (+5.08%)
2023	$2,580.00 Homeowner's exemption	$242,267	$264,800 Land $132,400 Building $132,400

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
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	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