2109 Harbor Dr, Annapolis, MD 21409 Property Records

Anne Arundel County property record for 2109 Harbor Dr, Annapolis, MD 21409

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,202 sqft · built 1978
Lot Size	0.502 acres (21,870 sqft)
Owner	Individual Name on File
Last Sale	$1,500,000 (Apr 2023)
Tax Bill	$10,310 (2023)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jun 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`03-863-18530990`

Property Details

APN / Parcel Number

Primary APN	`03-863-18530990`
Alternative APNs	`386318530990` `86318530990`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,202 sqft Total Area
1st Floor Area	1,341 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	21,870 sqft (0.502 acres)
Garage Type	Mixed
Garage Area	1,024 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	360 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	86318530990
Old Parcel Number	386318530990
Street Address	2109 HARBOR DR
City	ANNAPOLIS
State	MD
Zip	21409-5716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OS
Legal Description	LT 5 SC 2 & STRIP 2109 HARBOR DR PODICKORY POINT
Legal Section	2
Legal Subdivision	PODICKORY POINT SEC 02
Legal Lot Number	5
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	2
Census Block	2001
Census Tract	731002

Owner

Source: Anne Arundel County assessment roll, as of July 1, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2109 HARBOR DR, ANNAPOLIS, MD 21409-5716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2023	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 14, 2019	Grant Deed, Transfer CAPITOL TITLE COMPANY INC, CAPITOL TITLE INS AGCY INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 28, 2023 · Amount on Record
Deed Sale	Apr 28, 2023 · Amount on Record
Prior Sale	Jun 14, 2019 · Amount on Record
Deed Document Number	0039616331
Deed Book / Page	39616 / 331
Record Updated	Jun 7, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 28, 2023
Property Address	2109 HARBOR DR, ANNAPOLIS, MD 21409-5716
Document Number	0396160331
Book / Page	39616 / 331
Map Reference	MB 32 PG 148 PL 1723
Instrument Date	Apr 20, 2023
Transaction Type	Transfer
Record Updated	May 16, 2023
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$7,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2109 HARBOR DR, ANNAPOLIS, MD 21409-5716

Mortgage

Document Number	0039616340
Date	Apr 28, 2023
Instrument	39616/340

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	May 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.1%
Index	Other
Margin	3
Max Rate	10.1%

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 14, 2019
Property Address	2109 HARBOR DR, ANNAPOLIS, MD 21409-5716
Document Number	0332380466
Book / Page	033238 / 000466
Instrument Date	Jun 4, 2019
Transaction Type	Transfer
Record Updated	Jul 1, 2019
Title Company	CAPITOL TITLE COMPANY INC, CAPITOL TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$925.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 HARBOR DR ANNAPOLIS MD 214095716, ANNAPOLIS, MD 21409-5716

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of July 1, 2023

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
2023	$10,310.00	$944,200	$1,069,100 Land $743,900 Building $325,200

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 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	Hurricane Isabel, Sep 2003 · 13 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	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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Harbor Dr

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