Anne Arundel County property record for 2109 Bay Dr, Annapolis, MD 21409
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,604 sqft · built 1949 |
| Lot Size | 0.635 acres (27,680 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $920,000 (Aug 2017) |
| Tax Bill | $14,499 (2025) |
| Deeds & Mortgages | Aug 2023 Second Mortgage Oct 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-498-30091400 |
| Primary APN | 03-498-30091400 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,604 sqft Living Area |
| Gross Area | 3,124 sqft |
| 1st Floor Area | 1,809 sqft |
| Basement Area | 300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 27,680 sqft (0.635 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Enclosed Breezeway |
| Porch Area | 120 sqft |
| Patio Area | 216 sqft |
| Breezeway | Breezeway |
| Greenhouse | 132 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 49830091400 |
|---|---|
| Street Address | 2109 BAY DR |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21409-5702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 5 PL 1 LOG INN ESTATES |
| Legal Subdivision | LOG INN ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 731002 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2109 BAY DR, ANNAPOLIS, MD 21409-5702 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 30, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Oct 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Sep 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| May 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Feb 16, 2018 | Deed of Trust, Mortgage NAVY FCU |
| Aug 23, 2017 | Grant Deed, Transfer NEW PENN FIN'L LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2017 · Amount on Record |
| Deed Sale | Aug 23, 2017 · Amount on Record |
| Prior Sale | Nov 16, 1995 |
| Deed Document Number | 201731278-259 |
| Transfer Doc | 0000011220 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 2109 BAY DR, ANNAPOLIS, MD 21409-5702 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0398940059 |
|---|---|
| Date | Aug 30, 2023 |
| Book Page | 39894/59 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Sep 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 2109 BAY DR, ANNAPOLIS, MD 21409-5702 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2021 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 2109 BAY DR, ANNAPOLIS, MD 21409-5702 |
| Document Number | 0377790040 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 37779/40 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 108 Months |
| Due | Oct 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 2109 BAY DR, ANNAPOLIS, MD 21409-5702 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 2109 BAY DR, ANNAPOLIS, MD 21409-5702 |
| Document Number | 0352570178 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 35257/178 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 2109 BAY DR, ANNAPOLIS, MD 21409-5702 |
| Document Number | 0333340273 |
| Instrument Date | May 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2109 BAY DR ANNAPOLIS MD 214095702, ANNAPOLIS, MD 21409-5702 |
| Document Number | 0333340273 |
|---|---|
| Date | Jul 12, 2019 |
| Book Page | 033334/000273 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 11, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 2109 BAY DR, ANNAPOLIS, MD 21409-5702 |
| Document Number | 0318620010 |
| Instrument Date | Feb 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2018 |
| Title Company | NAVY FEDERAL TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2109 BAY DR ANNAPOLIS MD 214095702, ANNAPOLIS, MD 21409-5702 |
| Document Number | 0318620010 |
|---|---|
| Date | Feb 22, 2018 |
| Book Page | 031862/000010 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Feb 21, 2033 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Aug 23, 2017 |
| Property Address | 2109 BAY DR, ANNAPOLIS, MD 21409-5702 |
| Document Number | 0312780259 |
| Book / Page | 031278 / 000259 |
| Instrument Date | Aug 14, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2017 |
| Title Company | CROWN TITLE CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $920.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2109 BAY DR ANNAPOLIS MD 214095702, ANNAPOLIS, MD 21409-5702 |
| Document Number | 312780265 |
|---|---|
| Date | Aug 23, 2017 |
| Book Page | 031278/000265 |
| Name | NEW PENN FIN'L LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | PLYMOUTH MEETING, PA 19462 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 22, 2047 |
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 | $1,392,667 (+24.19%) | $1,465,000 (+17.39%) Land $1,244,900 Building $220,100 | |
| 2025 | $14,499.00 (+18.4%) | ||
| 2023 | $12,246.00 | $1,121,433 | $1,248,000 Land $1,053,900 Building $194,100 |
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 VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 26 policies |
| Nearby Flood Policies | 26 in force |
| Nearby Flood Claims | 25 (1979–2004) |
| Claims Outside the SFHA | 5 of 25 |
| Most Recent Claim | Apr 2004 · rainfall accumulation |
| Claims by Event |
|
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 95% of the US · lower than 90% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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 | GLEN BURNIE-BROADNECK serves 290,606 people · EPA ID MD0020017 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2016–2018) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
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