23 Oak Ct, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 23 Oak Ct, Annapolis, MD 21401

Property Summary

Property Type	Commercial
Details	1 ba · 1,050 sqft · built 1955
Lot Size	0.26 acres (11,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$182,500 (Oct 2014)
Tax Bill	$3,608 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-833-02921800`

Property Details

APN / Parcel Number

Primary APN	`02-833-02921800`
Alternative APNs	`2-833-02921800` `83302921800`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,050 sqft Gross Area
1st Floor Area	1,050 sqft
Utility Area	78 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	11,340 sqft (0.26 acres)
View / Lot	Commercial/Industrial
Porch	Open Porch
Deck Area	78 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	83302921800
Street Address	23 OAK CT
City	ANNAPOLIS
State	MD
Zip	21401-7017
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C2
Legal Description	LT 23 THREE MILE OAK
Legal Subdivision	THREE MILE OAK
Legal Block	1
Legal Lot Number	23
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1011
Census Tract	702402

Owner

Source: Anne Arundel County records, as of October 9, 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	23 OAK CT, ANNAPOLIS, MD 21401-7017
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Dec 2, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Nov 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage GREAT PLAINS NATIONAL BANK
Aug 23, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2014 · Amount on Record
Deed Sale	Oct 21, 2014 · Amount on Record
Deed Book / Page	27728 / 35
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	23 OAK CT, ANNAPOLIS, MD 21401-7017
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	REGIS TITLE LLC, RGS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0382060151
Date	Jan 12, 2022
Book Page	38206/151

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	23 OAK CT, ANNAPOLIS, MD 21401-7017
Transaction Type	Mortgage
Record Updated	Dec 20, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0380020218
Date	Dec 2, 2021
Book Page	38002/218

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jun 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	23 OAK CT, ANNAPOLIS, MD 21401-7017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0326890052
Date	Nov 28, 2018
Book Page	32689/052

Lender

Name	GREAT PLAINS NATIONAL BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	23 OAK CT, ANNAPOLIS, MD 21401-7017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0334920058
Date	Aug 23, 2019
Book Page	33492/058

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

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		$293,300 (+3.74%) Land $186,500 Building $106,800	$293,300 (-) Land $186,500 Building $106,800
2025	$3,608.00 (+1.98%) Homeowner's exemption	$282,733 (+8.08%)	$293,300 (+12.12%) Land $186,500 Building $106,800
2024	$3,538.00 (+24.62%)
2023	$2,839.00 Homeowner's exemption	$261,600 Land $186,500 Building $75,100	$261,600 Land $186,500 Building $75,100

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

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	None beyond 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 87 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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