Anne Arundel County property record for 28 Windwhisper Ln, Annapolis, MD 21403
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,780 sqft · built 1984 |
| Lot Size | 0.223 acres (9,707 sqft) |
| Owner | Individual Name on File |
| Last Sale | $435,000 (May 2018) |
| Tax Bill | $6,861 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage May 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-268-90036186 |
| Primary APN | 06-268-90036186 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,780 sqft Living Area |
| Gross Area | 1,960 sqft |
| 1st Floor Area | 1,264 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,707 sqft (0.223 acres) |
| Porch | Enclosed Porch |
| Porch Area | 200 sqft |
| Patio Area | 324 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 26890036186 |
|---|---|
| Street Address | 28 WINDWHISPER LN |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21403-3473 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 54 PL 2 GEORGETOWN GROVE |
| Legal Subdivision | GEORGETOWN GROVE |
| Legal Block | 2 |
| Legal Lot Number | 54 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 706303 |
28 Windwhisper Ln is owned and occupied by an individual who acquired it in September 2021.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28 WINDWHISPER LN, ANNAPOLIS, MD 21403-3473 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC |
| May 4, 2022 | Intrafamily Transfer, Transfer |
| May 21, 2018 | Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2018 · Amount on File |
| Deed Sale | May 21, 2018 · Amount on File |
| Prior Sale | Sep 24, 2014 · Amount on File |
| Deed Book / Page | 32120 / 1 |
| Last Transfer Date | Sep 10, 2021 |
| Transfer Doc | 0386850336 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 28 WINDWHISPER LN, ANNAPOLIS, MD 21403-3473 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | PINNACLE TITLE & ESCROW INC |
| Name | Verified Name |
|---|---|
| Address | 28 WINDWHISPER LN, ANNAPOLIS, MD 21403-3473 |
| Document Number | 0354200200 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 35420/200 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | May 4, 2022 |
| Property Address | 28 WINDWHISPER LN, ANNAPOLIS, MD 21403-3473 |
| Document Number | 0386850336 |
| Book / Page | 38685 / 336 |
| Map Reference | MB 82 FO 49 |
| Instrument Date | Sep 10, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 28 WINDWHISPER LN, ANNAPOLIS, MD 21403-3473 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | May 21, 2018 |
| Property Address | 28 WINDWHISPER LN, ANNAPOLIS, MD 21403-3473 |
| Document Number | 0321200001 |
| Book / Page | 032120 / 000001 |
| Instrument Date | May 9, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2018 |
| Title Company | MID-ATLANTIC SETTLEMENT SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $435.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 28 WINDWHISPER LN ANNAPOLIS MD 214033473, ANNAPOLIS, MD 21403-3473 |
| Document Number | 321200006 |
|---|---|
| Date | May 21, 2018 |
| Book Page | 032120/000006 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 20, 2048 |
The 2025 property tax bill for 28 Windwhisper Ln was $6,861, up 2.8% 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 | $493,200 (+3%) Land $227,800 Building $265,400 | $493,200 (-) Land $227,800 Building $265,400 | |
| 2025 | $6,861.00 (+2.8%) | $478,833 | $493,200 Land $227,800 Building $265,400 |
| 2024 | $6,674.00 (+3.26%) | ||
| 2023 | $6,463.00 | $450,100 Land $202,800 Building $247,300 | $450,100 Land $202,800 Building $247,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Windwhisper Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 4 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 risk around 28 Windwhisper Ln 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 93% of the US · lower than 85% 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.
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 387 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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