28 River Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 28 River Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,583 sqft · built 1992
Lot Size	0.254 acres (11,050 sqft)
Owner	2 Company Names on File
Last Sale	$2,000,000 (Mar 2007)
Tax Bill	$17,626 (2025)
Deeds & Mortgages	Mar 2026 Transfer Feb 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-047-90067635`

Property Details

APN / Parcel Number

Primary APN	`02-047-90067635`
Alternative APNs	`2-047-90067635` `04790067635`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,583 sqft Living Area
Gross Area	2,943 sqft
1st Floor Area	1,620 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,050 sqft (0.254 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	252 sqft
Deck Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	04790067635
Street Address	28 RIVER DR
City	ANNAPOLIS
State	MD
Zip	21403-4424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 7R SC 4 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	7R
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4011
Census Tract	702602

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	28 RIVER DR, ANNAPOLIS, MD 21403-4424
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Intrafamily Transfer, Transfer
Feb 12, 2024	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Oct 2, 2023	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Oct 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2007 · Amount on File
Deed Sale	Mar 30, 2007 · Amount on File
Prior Sale	May 3, 2002 · Amount on File
Deed Document Number	20073485
Deed Book / Page	18934 / 484
Last Transfer Date	Mar 11, 2026
Transfer Doc	4218000072
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 23, 2026
Property Address	28 RIVER DR, ANNAPOLIS, MD 21403-4424
Document Number	0421820072
Book / Page	42182 / 72
Map Reference	LB 5105 PG 293
Instrument Date	Mar 11, 2026
Transaction Type	Transfer
Record Updated	Apr 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	28 RIVER DR, ANNAPOLIS, MD 21403-4424

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	28 RIVER DR, ANNAPOLIS, MD 21403-4424
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 RIVER DR, ANNAPOLIS, MD 21403-4424

Mortgage

Document Number	0402330261
Date	Feb 12, 2024
Book Page	40233/261

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	BALTIMORE, MD 21202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jan 12, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	28 RIVER DR, ANNAPOLIS, MD 21403-4424
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 RIVER DR, ANNAPOLIS, MD 21403-4424

Mortgage

Document Number	0399710343
Date	Oct 2, 2023
Book Page	39971/343

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	BALTIMORE, MD 21202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	262 Months
Due	Aug 19, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	28 RIVER DR, ANNAPOLIS, MD 21403-4424
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0374820360
Date	Sep 8, 2021
Book Page	37482/360

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	28 RIVER DR, ANNAPOLIS, MD 21403-4424
Document Number	0325960190
Instrument Date	Oct 4, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 RIVER DR ANNAPOLIS MD 214034424, ANNAPOLIS, MD 21403-4424

Mortgage

Document Number	0325960190
Date	Oct 24, 2018
Book Page	032596/000190

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

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		$2,764,600 (+17.08%) Land $2,328,500 Building $436,100	$2,764,600 (-) Land $2,328,500 Building $436,100
2025	$17,626.00 (+2.75%) Homeowner's exemption	$2,361,367 (+51.87%)	$2,764,600 (+77.8%) Land $2,328,500 Building $436,100
2024	$17,154.00 (+14.67%)
2023	$14,960.00 Homeowner's exemption	$1,554,900 Land $1,226,300 Building $328,600	$1,554,900 Land $1,226,300 Building $328,600

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	7 (2003–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims

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	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

4G LTE only, no 5G reported

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