21 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 21 E Lake Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,584 sqft · built 2023
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Tax Bill	$21,228 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-047-90229220`

Property Details

APN / Parcel Number

Primary APN	`02-047-90229220`
Alternative APNs	`2-047-90229220` `04790229220`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,584 sqft Living Area
1st Floor Area	1,320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Porch	Open Porch
Deck Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	04790229220
Street Address	21 E LAKE DR
City	ANNAPOLIS
State	MD
Zip	21403-4412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 30 SEC 3 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	10
Legal Lot Number	30
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4009
Census Tract	702602

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	104 RIVER DR, ANNAPOLIS, MD 21403-4425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage SHORE UNITED BANK NA
Oct 26, 2022	Deed of Trust, Mortgage · Line of Credit SHORE UNITED BANK NA
Nov 18, 2021	Correction Deed
Nov 18, 2021	Intrafamily Transfer, Transfer
Nov 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 16, 2021
Transfer Doc	0379370308
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	21 E LAKE DR, ANNAPOLIS, MD 21403-4412
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	MID-MARYLAND TITLE COMPANY INC, MID MARYLAND TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 E LAKE DR, ANNAPOLIS, MD 21403-4412

Mortgage

Document Number	0380760291
Date	Dec 14, 2021
Book Page	38076/291

Lender

Name	SHORE UNITED BANK NA
Type	Bank
Address	EASTON, MD 21601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	8.62%
Index	12-Month MTA
Max Rate	8.62%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	21 E LAKE DR, ANNAPOLIS, MD 21403-4412
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 SECOND ST, ANNAPOLIS, MD 21403-3338

Mortgage

Document Number	0392300040
Date	Oct 26, 2022
Book Page	39230/40

Lender

Name	SHORE UNITED BANK NA
Type	Bank
Address	LOTHIAN, MD 20711

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 18, 2021
Property Address	21 E LAKE DR, ANNAPOLIS, MD 21403-4412
Document Number	0379370308
Book / Page	37937 / 308
Map Reference	MB 3 PG 44
Instrument Date	Nov 16, 2021
Record Updated	Sep 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	104 RIVER DR, ANNAPOLIS, MD 21403-4425

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 18, 2021
Property Address	21 E LAKE DR, ANNAPOLIS, MD 21403-4412
Document Number	0379370312
Book / Page	37937 / 312
Map Reference	MB 3 PG 44
Instrument Date	Nov 16, 2021
Transaction Type	Transfer
Record Updated	Sep 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 RIVER DR, ANNAPOLIS, MD 21403-4425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 RIVER DR, ANNAPOLIS, MD 21403-4425

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 21, 2017
Property Address	21 E LAKE DR, ANNAPOLIS, MD 21403-4412
Document Number	0315860053
Book / Page	031586 / 000053
Instrument Date	Aug 31, 2017
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	104 RIVER DR ANNAPOLIS MD 214034425, ANNAPOLIS, MD 21403-4425

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		$2,929,700 (+16.52%) Land $2,300,500 Building $629,200	$2,929,700 (-) Land $2,300,500 Building $629,200
2025	$21,228.00 (+2.6%) Homeowner's exemption	$2,514,267 (+49.36%)	$2,929,700 (+74.03%) Land $2,300,500 Building $629,200
2024	$20,691.00 (+12.56%)
2023	$18,382.00	$1,683,400 Land $1,213,500 Building $469,900	$1,683,400 Land $1,213,500 Building $469,900

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	7 (2003–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims

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	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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