2128 Bay Front Ter, Annapolis, MD 21409 Property Records

Anne Arundel County property record for 2128 Bay Front Ter, Annapolis, MD 21409

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,716 sqft · built 1978
Lot Size	0.598 acres (26,066 sqft)
Owner	2 Trust Names on File
Last Sale	$2,581,000 (Apr 2025)
Tax Bill	$13,045 (2025)
Deeds & Mortgages	Dec 2023 Transfer Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-863-90007363`

Property Details

APN / Parcel Number

Primary APN	`03-863-90007363`
Alternative APNs	`3-863-90007363` `86390007363`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,716 sqft Living Area
1st Floor Area	1,876 sqft
Basement Area	840 sqft
Finished Basement	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	26,066 sqft (0.598 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	420 sqft
Deck Area	372 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	86390007363
Street Address	2128 BAY FRONT TER
City	ANNAPOLIS
State	MD
Zip	21409-5705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT A OR .5984 ACRE TYDINGS ON BAY POD PT
Legal Subdivision	TYDINGS ON BAY POD PT
Legal Block	2
Legal Lot Number	A
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	2
Census Block	2001
Census Tract	731002

Owner

2128 Bay Front Ter is held in a trust since April 2025.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2990 PEBBLE BEACH DR, ELLICOTT CITY, MD 21042-2174
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2023	Intrafamily Transfer, Transfer
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage SECURE ONE CAPITAL CORP
Feb 11, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2025 · Amount on File
Deed Sale	Apr 18, 2025 · Amount on File
Prior Sale	Jul 2, 2020 · Amount on File
Deed Book / Page	41256 / 2
Prior Transfer Date	Dec 28, 2023
Prior Transfer Doc	0401500001
Record Updated	Oct 29, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Dec 29, 2023
Property Address	2128 BAY FRONT TER, ANNAPOLIS, MD 21409-5705
Document Number	0401500001
Book / Page	40150 / 1
Map Reference	LB 2897 FO 582
Instrument Date	Dec 28, 2023
Transaction Type	Transfer
Record Updated	Jan 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2128 BAY FRONT TER, ANNAPOLIS, MD 21409-5705

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	2128 BAY FRONT TER, ANNAPOLIS, MD 21409-5705
Transaction Type	Mortgage
Record Updated	Mar 28, 2022
Title Company	FREESTATE TITLE CNSLTS LLC, FREESTATE TTL CONSULTANTS LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0384780197
Date	Mar 14, 2022
Book Page	38478/197

Lender

Name	SECURE ONE CAPITAL CORP
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	2128 BAY FRONT TER, ANNAPOLIS, MD 21409-5705
Transaction Type	Mortgage
Record Updated	May 3, 2021
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0361280494
Date	Feb 11, 2021
Book Page	36128/494

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2128 Bay Front Ter was $13,045, up 2.5% from the year before.

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		$1,632,267 (+7.38%)	$1,744,500 (-) Land $1,279,100 Building $465,400
2025	$13,045.00 (+2.52%)	$1,520,033	$1,744,500 Land $1,279,100 Building $465,400
2024	$12,724.00 (+7.99%)
2023	$11,783.00 Homeowner's exemption	$1,278,567	$1,407,800 Land $1,080,600 Building $327,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2128 Bay Front Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 2128 Bay Front Ter is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	Under 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	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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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