Anne Arundel County property record for 25 Locust Ave, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,890 sqft · built 1930 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $931,722 (Feb 2026) |
| Tax Bill | $8,448 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Feb 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-04914005 |
| Primary APN | 06-000-04914005 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,890 sqft Living Area |
| 1st Floor Area | 1,110 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | 60 sqft |
| Patio Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00004914005 |
|---|---|
| Street Address | 25 LOCUST AVE |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-3325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 6 ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 706600 |
25 Locust Ave is owned and occupied by two individuals who bought it in February 2026.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 25 LOCUST AVE, ANNAPOLIS, MD 21401-3325 |
| 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.
| Date | Document |
|---|---|
| Sep 30, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 10, 2026 | Deed, Transfer · Conventional Mortgage M & T BANK |
| Sep 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC |
| May 1, 2018 | Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 10, 2026 · Amount on File |
| Deed Sale | Feb 10, 2026 · Amount on File |
| Prior Sale | May 1, 2018 · Amount on File |
| Deed Book / Page | 42069 / 249 |
| Transfer Doc | 0000017654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 25 LOCUST AVE, ANNAPOLIS, MD 21401-3325 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 25 LOCUST AVE, ANNAPOLIS, MD 21401-3325 |
| Document Number | 0391630400 |
|---|---|
| Date | Sep 30, 2022 |
| Book Page | 39163/400 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Sep 17, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Feb 10, 2026 |
| Property Address | 25 LOCUST AVE, ANNAPOLIS, MD 21401-3325 |
| Document Number | 0420690249 |
| Book / Page | 42069 / 249 |
| Map Reference | MB 4 PG 27 PL 155 |
| Instrument Date | Feb 2, 2026 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | CLA TITLE AND ESCROW, CLA TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,329.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 25 LOCUST AVE, ANNAPOLIS, MD 21401-3325 |
| Document Number | 0042069259 |
|---|---|
| Date | Feb 10, 2026 |
| Instrument | 42069/259 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 25 LOCUST AVE, ANNAPOLIS, MD 21401-3325 |
| Document Number | 0354000132 |
| Instrument Date | Sep 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 25 LOCUS AVE ANNAPOLIS MD 21401, ANNAPOLIS, MD 21401 |
| Document Number | 0354000132 |
|---|---|
| Date | Oct 12, 2020 |
| Book Page | 035400/000132 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 11, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | May 1, 2018 |
| Property Address | 25 LOCUST AVE, ANNAPOLIS, MD 21401-3325 |
| Document Number | 0320590499 |
| Book / Page | 32059 / 499 |
| Map Reference | PL155 |
| Instrument Date | Apr 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | CHANCELLOR TITLE SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 25 LOCUST AVE, ANNAPOLIS, MD 21401-3325 |
| Document Number | 0032059504 |
|---|---|
| Date | May 1, 2018 |
| Instrument | 32059/504 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 25 Locust Ave was $8,448, up 6.2% from the year before.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Municipality | Annapolis City |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $625,800 (+6.14%) Land $366,600 Building $259,200 | $625,800 (-) Land $366,600 Building $259,200 | |
| 2025 | $8,448.00 (+6.24%) | $589,600 | $625,800 Land $366,600 Building $259,200 |
| 2024 | $7,952.00 (+7.08%) | ||
| 2023 | $7,426.00 | $517,200 Land $314,800 Building $202,400 | $517,200 Land $314,800 Building $202,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 25 Locust Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2013.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (2013–2017) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jul 2017 · 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 risk around 25 Locust Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 403 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 |
| AT&T Fixed Wireless | 100 / 20 |
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