2304 Saddlebrook Ct, Gambrills, MD 21054 Property Records

Anne Arundel County property record for 2304 Saddlebrook Ct, Gambrills, MD 21054

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 5,277 sqft · built 2019
Lot Size	0.486 acres (21,167 sqft)
Owner	2 Individual Names on File
Last Sale	$1,050,000 (Dec 2020)
Tax Bill	$12,024 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-643-90248956`

Property Details

APN / Parcel Number

Primary APN	`02-643-90248956`
Alternative APN	`64390248956`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,277 sqft Living Area
Gross Area	6,282 sqft
1st Floor Area	1,767 sqft
Basement Area	1,413 sqft
Finished Basement	1,413 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	21,167 sqft (0.486 acres)
Garage Type	Attached
Garage Area	1,005 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	178 sqft
Deck Area	209 sqft
Patio Area	386 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	64390248956
Street Address	2304 SADDLEBROOK CT
City	GAMBRILLS
State	MD
Zip	21054-2046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDL
Legal Description	LOT 26 RIDINGS AT NORTH BRANCH
Legal Subdivision	RIDINGS AT NORTH BRANCH
Legal Block	1
Legal Lot Number	26
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	7
Census Block Group	1
Census Block	1022
Census Tract	751700

Owner

2304 Saddlebrook Ct is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2304 SADDLEBROOK CT, GAMBRILLS, MD 21054-2046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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 2, 2020	Deed, Transfer · Conventional Mortgage NAVY FCU
Aug 6, 2019	Deed, Transfer · Conventional Mortgage TBI MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2020 · Amount on File
Deed Sale	Dec 2, 2020 · Amount on File
Prior Sale	Aug 6, 2019 · Amount on File
Deed Book / Page	35704 / 291
Record Updated	Oct 29, 2026

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Dec 2, 2020
Property Address	2304 SADDLEBROOK CT, GAMBRILLS, MD 21054-2046
Document Number	0357040291
Book / Page	35704 / 291
Map Reference	MB 356 FO 41 PL18367
Instrument Date	Nov 13, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	CHAMPION TITLE & SETMNTS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,750.00
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	2304 SADDLEBROOK CT, GAMBRILLS, MD 21054-2046

Mortgage

Document Number	35704298
Date	Dec 2, 2020
Instrument	35704/298

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Aug 6, 2019
Property Address	2304 SADDLEBROOK CT, GAMBRILLS, MD 21054-2046
Document Number	0334250242
Book / Page	33425 / 242
Map Reference	MB 356 FO 41 PL18367
Instrument Date	Aug 2, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	WESTMINSTER TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,405.53
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	2304 SADDLEBROOK CT, GAMBRILLS, MD 21054-2046

Mortgage

Document Number	33425248
Date	Aug 6, 2019
Instrument	33425/248

Lender

Name	TBI MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2304 Saddlebrook Ct was $12,024.

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		$1,125,900 Land $273,200 Building $852,700	$1,125,900 Land $273,200 Building $852,700
2025	$12,024.00
2023	$9,711.00	$889,300 Land $273,200 Building $616,100	$889,300 Land $273,200 Building $616,100

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

Flood

FEMA maps place 2304 Saddlebrook Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2012.

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	7 in force
Nearby Flood Claims	2 (2012–2023)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2023 · rainfall accumulation

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 2304 Saddlebrook Ct is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	CROFTON-ODENTON serves 62,986 people · EPA ID MD0020008
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2017–2019) 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 414 locations within half a mile, as of December 31, 2025

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

May also be available: Believe Broadband.

Nearby Properties on Saddlebrook Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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