22 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 22 E Lake Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,338 sqft · built 1982
Lot Size	0.327 acres (14,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,400,000 (Jun 2026)
Tax Bill	$29,516 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2021 Transfer
Flood Zone	Zone AE (high risk)
APN	`02-047-90035595`

Property Details

APN / Parcel Number

Primary APN	`02-047-90035595`
Alternative APNs	`2-047-90035595` `04790035595`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,338 sqft Living Area
1st Floor Area	1,408 sqft
Basement Area	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,250 sqft (0.327 acres)
View / Lot	Waterfront
Garage Area	544 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	384 sqft
Porch	Open Porch
Porch Area	572 sqft
Deck Area	320 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	04790035595
Street Address	22 E LAKE DR
City	ANNAPOLIS
State	MD
Zip	21403-4413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11 SC 2 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	11
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4002
Census Tract	702602

Owner

Source: Anne Arundel County records, as of July 21, 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	22 E LAKE DR, ANNAPOLIS, MD 21403-4413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORPORATION
Apr 22, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2026 · Amount on Record
Deed Sale	Jun 26, 2026 · Amount on Record
Prior Sale	Sep 10, 2004 · Amount on Record
Deed Document Number	2026
Deed Book / Page	42493 / 346
Prior Transfer Date	Mar 29, 2021
Prior Transfer Doc	0366150143
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 26, 2026
Property Address	22 E LAKE DR, ANNAPOLIS, MD 21403-4413
Document Number	4249000346
Book / Page	42493 / 346
Instrument Date	Apr 29, 2026
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,424,000.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 E LAKE DR, ANNAPOLIS, MD 21403-4413

Mortgage

Document Number	4249000352,
Date	Jun 26, 2026
Book Page	42493/352

Lender

Name	FIRST SAVINGS MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 22, 2021
Property Address	22 E LAKE DR, ANNAPOLIS, MD 21403-4413
Document Number	0366150143
Book / Page	36615 / 143
Map Reference	MB 3 FO 44
Instrument Date	Mar 29, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Trust
Address	2498 NEWFOUND HARBOR DR, MERRITT ISLAND, FL 32952-2870

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of August 13, 2025

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
2025	$29,516.00 (+18.64%)	$2,541,333 (+50.84%)	$2,969,600 (+76.26%) Land $2,414,100 Building $555,500
2024	$24,879.00 (+35.23%)
2023	$18,398.00	$1,684,800 Land $1,265,500 Building $419,300	$1,684,800 Land $1,265,500 Building $419,300

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
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

4G LTE only, no 5G reported

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