281 State St, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 281 State St, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,130 sqft · built 2022
Lot Size	0.147 acres (6,403 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,412,195 (Apr 2022)
Tax Bill	$38,823 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-806-90251303`

Property Details

APN / Parcel Number

Primary APN	`06-806-90251303`
Alternative APN	`80690251303`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,130 sqft Living Area
1st Floor Area	1,584 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,403 sqft (0.147 acres)
View / Lot	Waterfront
Porch	Open Porch
Deck Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	80690251303
Street Address	281 STATE ST
City	ANNAPOLIS
State	MD
Zip	21403-2460
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WME
Legal Description	LOT 7 SOUTH ANNAPOLIS YACHT CE
Legal Subdivision	SOUTH ANNAPOLIS YACHT CE
Legal Block	2
Legal Lot Number	7
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2001
Census Tract	706302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3 PRESIDENT POINT DR, A2, ANNAPOLIS, MD 21403-1461
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2022 · Amount on Record
Deed Sale	Apr 12, 2022 · Amount on Record
Deed Book / Page	38595 / 66
Record Updated	Oct 29, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 12, 2022
Property Address	281 STATE ST, ANNAPOLIS, MD 21403-2460
Document Number	0385950066
Book / Page	38595 / 66
Map Reference	MB 369PG10-11PL18986
Instrument Date	Mar 15, 2022
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	MID-MARYLAND TITLE COMPANY INC, MID MARYLAND TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66,182.93
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 PRESIDENT POINT DR UNIT A2, A2, ANNAPOLIS, MD 21403-1461

Mortgage

Document Number	0003859572
Date	Apr 12, 2022
Instrument	38595/72

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of September 4, 2026

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
2026		$3,083,800 (+13.83%) Land $1,279,400 Building $1,804,400	$3,083,800 (-) Land $1,279,400 Building $1,804,400
2025	$38,823.00 (+37.93%)	$2,709,233 (+38.22%)	$3,083,800 (+57.33%) Land $1,279,400 Building $1,804,400
2023	$28,147.00	$1,960,100 Land $1,279,400 Building $680,700	$1,960,100 Land $1,279,400 Building $680,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	54 units insured incl. 37 condo units
Nearby Flood Claims	5 (1979–2003)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 4 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.

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 287 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