Anne Arundel County property record for 2097 Lower Ct, Crofton, MD 21114
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,860 sqft · built 1991 |
| Lot Size | 0.169 acres (7,344 sqft) |
| Owner | 2 Trusts on Record |
| Tax Bill | $3,823 (2024) |
| Deeds & Mortgages | Sep 2025 Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-192-90067039 |
| Primary APN | 02-192-90067039 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,860 sqft Living Area |
| Gross Area | 2,088 sqft |
| 1st Floor Area | 864 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,344 sqft (0.169 acres) |
| Garage Type | Attached |
| Garage Area | 228 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 110 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 19290067039 |
|---|---|
| Street Address | 2097 LOWER CT |
| City | CROFTON |
| State | MD |
| Zip | 21114-1634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LT 40 CROFTON HIGHLANDS |
| Legal Subdivision | CROFTON HIGHLANDS |
| Legal Block | 1 |
| Legal Lot Number | 40 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 702206 |
Source: Anne Arundel County assessment roll, as of August 13, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trusts on Record |
|---|---|
| Mailing Address | 2097 LOWER CT, CROFTON, MD 21114-1634 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 15, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 1, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 14, 2017 | Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2008 |
| Deed Sale | May 27, 2008 |
| Prior Sale | Dec 21, 2005 |
| Deed Document Number | 20084990 |
| Deed Book / Page | 20177 / 500 |
| Last Transfer Date | Feb 28, 2015 |
| Transfer Doc | 0282350072 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 2097 LOWER CT, CROFTON, MD 21114-1634 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 2097 LOWER CT, CROFTON, MD 21114-1634 |
| Document Number | 0416410208 |
|---|---|
| Date | Sep 15, 2025 |
| Book Page | 41641/208 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 2097 LOWER CT, CROFTON, MD 21114-1634 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2097 LOWER CT, CROFTON, MD 21114-1634 |
| Document Number | 0385500027 |
|---|---|
| Date | Apr 1, 2022 |
| Book Page | 38550/27 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | DENVER, CO 80249 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jan 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 2097 LOWER CT, CROFTON, MD 21114-1634 |
| Document Number | 0321280172 |
| Instrument Date | Nov 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2097 LOWER CT CROFTON MD 211141634, CROFTON, MD 21114-1634 |
| Document Number | 0321280172 |
|---|---|
| Date | May 22, 2018 |
| Book Page | 032128/000172 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 21, 2048 |
| Rate Type | Fixed Rate |
|---|
Source: Anne Arundel County assessment roll, as of August 13, 2025
| 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 |
|---|---|---|---|
| 2025 | $507,200 (+15.01%) | $540,300 (+22.52%) Land $300,000 Building $240,300 | |
| 2024 | $3,823.00 (+18.69%) | ||
| 2023 | $3,221.00 Homeowner's exemption | $441,000 Land $260,000 Building $181,000 | $441,000 Land $260,000 Building $181,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 2 (2009–2013) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2013 · other causes |
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.
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 | None beyond ember reach |
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 | CROFTON-ODENTON serves 62,986 people · EPA ID MD0020008 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2026 |
| 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 582 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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