221 Spruce Ave, Edgewater, MD 21037 Property Records

Anne Arundel County property record for 221 Spruce Ave, Edgewater, MD 21037

Property Summary

Property Type	Single Family Home
Details	2 ba · 941 sqft · built 1916
Lot Size	0.3 acres (13,060 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Oct 2025)
Tax Bill	$4,534 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Oct 2025 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`01-046-02390200`

Property Details

APN / Parcel Number

Primary APN	`01-046-02390200`
Alternative APNs	`1-046-02390200` `04602390200`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	941 sqft Living Area
Gross Area	1,077 sqft
1st Floor Area	941 sqft
Utility Area	208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Conventional
Exterior Material	Block
Construction Type	Concrete Block
Roof Material	Composition Shingle
Lot Area	13,060 sqft (0.3 acres)
Garage Area	364 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	136 sqft
Shed	1 Shed
Shed Area	110 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	04602390200
Street Address	221 SPRUCE AVE
City	EDGEWATER
State	MD
Zip	21037-4803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LTS 42 43 44 BK EE BEVERLEY BEACH
Legal Subdivision	BEVERLEY BEACH
Legal Block	EE
Legal Lot Number	42
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	2
Census Block	2012
Census Tract	701201

Owner

Source: Anne Arundel County records · APN 01-046-02390200

Assessment roll updated August 13, 2025 · Last verified April 2026

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
Mailing Address	221 SPRUCE AVE, EDGEWATER, MD 21037-4803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 27, 2025	Deed, Transfer · Conventional Mortgage TOWER FCU
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
May 23, 2019	Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS
Jun 30, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
May 23, 2018	Grant Deed, Transfer SERVICELINK
Jan 24, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 27, 2025 · Amount on Record
Deed Sale	Oct 27, 2025 · Amount on Record
Prior Sale	May 23, 2019 · Amount on Record
Deed Book / Page	41772 / 2
Prior Transfer Date	Oct 15, 2025
Prior Transfer Doc	0417720002
Record Updated	Jun 08, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	221 SPRUCE AVE, EDGEWATER, MD 21037-4803
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 SPRUCE AVE, EDGEWATER, MD 21037-4803

Mortgage

Document Number	0397880356
Date	Jul 13, 2023
Book Page	39788/356

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jul 04, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 27, 2025
Property Address	221 SPRUCE AVE, EDGEWATER, MD 21037-4803
Document Number	0417720002
Book / Page	41772 / 2
Map Reference	MB 11 PG 15
Instrument Date	Oct 15, 2025
Transaction Type	Transfer
Record Updated	Apr 03, 2026
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,062.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	221 SPRUCE AVE, EDGEWATER, MD 21037-4803

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	221 SPRUCE AVE, EDGEWATER, MD 21037-4803

Mortgage

Document Number	0000417728
Date	Oct 27, 2025
Instrument	41772/8

Lender

Name	TOWER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Nov 01, 2030
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year T-Bill
Max Rate	10.2%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	221 SPRUCE AVE, EDGEWATER, MD 21037-4803
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0348010498
Date	Jun 25, 2020
Book Page	34801/498

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jul 01, 2045

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 23, 2019
Property Address	221 SPRUCE AVE, EDGEWATER, MD 21037-4803
Document Number	0331660175
Book / Page	033166 / 000175
Instrument Date	May 20, 2019
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 SPRUCE AVE EDGEWATER MD 210374803, EDGEWATER, MD 21037-4803

Mortgage

Document Number	331660181
Date	May 23, 2019
Book Page	033166/000181

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	221 SPRUCE AVE, EDGEWATER, MD 21037-4803
Document Number	0323000426
Instrument Date	Jun 30, 2018
Transaction Type	Mortgage
Record Updated	Sep 30, 2020
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 SPRUCE AVE EDGEWATER MD 210374803, EDGEWATER, MD 21037-4803

Mortgage

Document Number	0323000426
Date	Jul 13, 2018
Book Page	032300/000426

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2048

Interest

Rate Type	Adjustable Rate

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 23, 2018
Property Address	221 SPRUCE AVE, EDGEWATER, MD 21037-4803
Document Number	0321330166
Book / Page	032133 / 000166
Instrument Date	Apr 27, 2018
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	SERVICELINK

Transaction

Amount	Amount Recorded
Tax	$180.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 SPRUCE AVE EDGEWATER MD 210374803, EDGEWATER, MD 21037-4803

January 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jan 24, 2018
Property Address	221 SPRUCE AVE, EDGEWATER, MD 21037-4803
Document Number	0317830367
Book / Page	031783 / 000367
Instrument Date	Aug 22, 2017
Transaction Type	Foreclosure
Record Updated	Feb 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$171.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4050 REGENT BLVD IRVING TX 750632246, IRVING, TX 75063-2246

Tax Assessment & Valuation

Source: Anne Arundel County records · Assessment roll updated August 13, 2025 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,534.00 (+5.39%)	$363,633 (+13.18%)	$384,800 (+19.76%) Land $215,300 Building $169,500
2024	$4,302.00 (+22.63%)
2023	$3,508.00	$321,300 Land $215,300 Building $106,000	$321,300 Land $215,300 Building $106,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 69 policies
Nearby Flood Policies	69 in force
Nearby Flood Claims	3 (2003–2025)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Feb 2025

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 386 locations within half a mile of this property.

Nearby Properties on Spruce Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures