2805 Berth Ter, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 2805 Berth Ter, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,434 sqft · built 1989
Lot Size	0.108 acres (4,697 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Jun 2019)
Tax Bill	$4,724 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-892-90058244`

Property Details

APN / Parcel Number

Primary APN	`02-892-90058244`
Alternative APNs	`2-892-90058244` `89290058244`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,434 sqft Living Area
Gross Area	1,794 sqft
1st Floor Area	1,434 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,697 sqft (0.108 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	89290058244
Street Address	2805 BERTH TER
City	ANNAPOLIS
State	MD
Zip	21401-7103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 55R PL 2 AREA 2 HERITAGE HARBOUR PUD #2
Legal Subdivision	HERITAGE HARBOUR PUD #2
Legal Block	1
Legal Lot Number	55R
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1002
Census Tract	751600

Owner

2805 Berth Ter is owned and occupied by an individual who bought it in June 2019.

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

Owner of Record	Individual Name on File
Mailing Address	2805 BERTH TER, ANNAPOLIS, MD 21401-7103
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage SHORE UNITED BANK NA
May 22, 2019	Deed, Transfer · ARM SEVERN SAVINGS BANK FSB
Jun 11, 2019	Deed, Transfer · ARM SEVERN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2019 · Amount on File
Deed Sale	Jun 11, 2019 · Amount on File
Prior Sale	May 22, 2019 · Amount on File
Deed Book / Page	33221 / 356
Prior Transfer Date	Jul 12, 2016
Prior Transfer Doc	0301500119
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	2805 BERTH TER, ANNAPOLIS, MD 21401-7103
Transaction Type	Mortgage
Record Updated	Feb 7, 2022
Title Company	LIBERTY TITLE COMPANY LLC, LIBERTY T&E CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2805 BERTH TER, ANNAPOLIS, MD 21401-7103

Mortgage

Document Number	0382590075
Date	Jan 24, 2022
Book Page	38259/75

Lender

Name	SHORE UNITED BANK NA
Type	Bank
Address	EASTON, MD 21601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 22, 2019
Property Address	2805 BERTH TER, ANNAPOLIS, MD 21401-7103
Document Number	0331610375
Book / Page	33161 / 375
Map Reference	LB 30150 FO 119
Instrument Date	Apr 30, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	LIBERTY T&E OF MD LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2805 BERTH TER, ANNAPOLIS, MD 21401-7103

Mortgage

Document Number	33161381
Date	May 22, 2019
Instrument	33161/381

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	6.62%
Index	1-Year CMT
Max Rate	10.6%

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 11, 2019
Property Address	2805 BERTH TER, ANNAPOLIS, MD 21401-7103
Document Number	0332210356
Book / Page	33221 / 356
Map Reference	LB 30150 FO 119
Instrument Date	Apr 30, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	LIBERTY T&E OF MD LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2805 BERTH TER, ANNAPOLIS, MD 21401-7103

Mortgage

Document Number	33221362
Date	Jun 11, 2019
Instrument	33221/362

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	359 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	6.62%
Index	1-Year CMT
Max Rate	10.6%

Tax Assessment & Valuation

The 2025 property tax bill for 2805 Berth Ter was $4,724 with a homeowner's exemption, up 2.3% from the year before.

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		$451,400 (+6.68%) Land $222,000 Building $229,400	$451,400 (-) Land $222,000 Building $229,400
2025	$4,724.00 (+2.25%) Homeowner's exemption	$423,133	$451,400 Land $222,000 Building $229,400
2024	$4,620.00 (+15.41%)
2023	$4,003.00 Homeowner's exemption	$366,600 Land $202,000 Building $164,600	$366,600 Land $202,000 Building $164,600

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

Flood

FEMA maps place 2805 Berth Ter in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 12 policies
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

Wildfire risk around 2805 Berth Ter is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BROAD CREEK serves 26,033 people · EPA ID MD0020004
Water Source	Groundwater
Last State Inspection	Oct 2025
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 212 locations within half a mile, as of December 31, 2025

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

May also be available: Believe Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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