2157 Sand Castle Ct, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 2157 Sand Castle Ct, Annapolis, MD 21403

Property Summary

Property Type	Exempt (Full or Partial)
Details	4.5 ba · 3,436 sqft · built 1988
Lot Size	0.087 acres (3,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,300,000 (Jun 2025)
Tax Bill	$16,606 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-901-90059172`

Property Details

APN / Parcel Number

Primary APN	`02-901-90059172`
Alternative APNs	`2-901-90059172` `90190059172`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,436 sqft Gross Area
1st Floor Area	892 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	3,800 sqft (0.087 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Deck Area	66 sqft
Patio Area	190 sqft
Balcony Area	524 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	90190059172
Street Address	2157 SAND CASTLE CT
City	ANNAPOLIS
State	MD
Zip	21403-5505
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R15
Legal Description	UNIT 2157 BLDG Q VLG CHES HRB TH CONDO
Legal Subdivision	VLG CHES HRB TH CONDO
Legal Block	2
Legal Unit	2157
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2001
Census Tract	706304

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	2 Individual Names on Record
Mailing Address	2157 SAND CASTLE CT, ANNAPOLIS, MD 21403-5505
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Aug 30, 2022	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2025 · Amount on Record
Deed Sale	Jun 16, 2025 · Amount on Record
Prior Sale	Aug 30, 2022 · Amount on Record
Deed Book / Page	41411 / 189
Prior Transfer Date	Oct 13, 2011
Prior Transfer Doc	0239950207
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	2157 SAND CASTLE CT, ANNAPOLIS, MD 21403-5505
Transaction Type	Mortgage
Record Updated	Jul 20, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0397720416
Date	Jul 5, 2023
Book Page	39772/416

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	LEESBURG, VA 20175

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Aug 30, 2022
Property Address	2157 SAND CASTLE CT, ANNAPOLIS, MD 21403-5505
Document Number	0390710120
Book / Page	39071 / 120
Map Reference	MB 37 PG 1
Instrument Date	Aug 12, 2022
Transaction Type	Transfer
Record Updated	Sep 15, 2022
Title Company	MID-MARYLAND TITLE COMPANY INC, MID MARYLAND TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2157 SAND CASTLE CT, ANNAPOLIS, MD 21403-5505

Mortgage

Document Number	0039071124
Date	Aug 30, 2022
Instrument	39071/124

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9.87%
Index	1-Year CMT
Margin	3
Max Rate	9.87%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	2157 SAND CASTLE CT, ANNAPOLIS, MD 21403-5505
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2157 SAND CASTLE CT, ANNAPOLIS, MD 21403-5505

Mortgage

Document Number	0354260360
Date	Oct 20, 2020
Book Page	35426/360

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

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		$1,604,100 (+3.23%) Land $1,095,000 Building $509,100	$1,604,100 (-) Land $1,095,000 Building $509,100
2025	$16,606.00 (+1.57%)	$1,553,967 (+6.9%)	$1,604,100 (+10.35%) Land $1,095,000 Building $509,100
2024	$16,349.00 (+2.99%)
2023	$15,874.00	$1,453,700 Land $1,095,000 Building $358,700	$1,453,700 Land $1,095,000 Building $358,700

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 26 individual policies
Nearby Flood Policies	361 units insured incl. 335 condo units
Nearby Flood Claims	1 (2003)
Most Recent Claim	Sep 2003 · Hurricane Isabel

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ANNAPOLIS serves 35,000 people · EPA ID MD0020001
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	6 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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