275 Smith Ave, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 275 Smith Ave, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,614 sqft · built 1935
Lot Size	0.136 acres (5,940 sqft)
Owner	Individual Name on File
Last Sale	$585,000 (Jul 2018)
Tax Bill	$10,538 (2023)
Deeds & Mortgages	Jul 2021 Construction Loan Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000-05402050`

Property Details

APN / Parcel Number

Primary APN	`06-000-05402050`
Alternative APNs	`600005402050` `00005402050`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,614 sqft Total Area
1st Floor Area	939 sqft
Basement Area	472 sqft
Finished Basement	472 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,940 sqft (0.136 acres)
Garage Type	Mixed
Garage Area	340 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	00005402050
Old Parcel Number	600005402050
Street Address	275 SMITH AVE
City	ANNAPOLIS
State	MD
Zip	21401-3529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 7 275 SMITH AVE ANNAPOLIS
Legal Subdivision	SPA VIEW AVE
Legal Lot Number	7 275
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	3
Census Block	3017
Census Tract	706500

Owner

Source: Anne Arundel County assessment roll, as of July 1, 2023

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
Co-owner	Verified Secondary Owner
Mailing Address	275 SMITH AVE, ANNAPOLIS, MD 21401-3529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Construction Mortgage SEVERN SAVINGS BANK FSB
Jul 2, 2018	Deed, Transfer · Conventional Mortgage SEVERN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 2, 2018 · Amount on Record
Deed Sale	Jul 2, 2018 · Amount on Record
Prior Sale	Jun 23, 2008 · Amount on Record
Deed Document Number	0003227089
Deed Book / Page	32270 / 89
Record Updated	Jun 7, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	275 SMITH AVE, ANNAPOLIS, MD 21401-3529
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 SMITH AVE, ANNAPOLIS, MD 21401

Mortgage

Document Number	0372770048
Date	Jul 28, 2021
Book Page	37277/48

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	9%
Index	1-Year CMT
Max Rate	9%

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jul 2, 2018
Property Address	275 SMITH AVE, ANNAPOLIS, MD 21401-3529
Document Number	0322700089
Book / Page	32270 / 089
Map Reference	MB20247 PG378
Instrument Date	Jul 2, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATLANTIC TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$7,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	275 SMITH AVE, ANNAPOLIS, MD 21401-3529

Mortgage

Document Number	0003227093
Date	Jul 2, 2018
Instrument	32270/93

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Aug 1, 2019

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Anne Arundel County
Municipality	Annapolis City
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$10,538.00	$733,900 Land $563,300 Building $170,600	$733,900 Land $563,300 Building $170,600

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
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 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 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 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	Under 0.01% 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	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 336 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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