Anne Arundel County property record for 3 Merle Ct, Annapolis, MD 21401
| Property Type | Townhouse |
|---|---|
| Details | 3.5 ba · 1,940 sqft · built 1998 |
| Lot Size | 0.028 acres (1,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (Sep 2019) |
| Tax Bill | $4,186 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-90084917 |
| Primary APN | 06-000-90084917 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,940 sqft Living Area |
| 1st Floor Area | 710 sqft |
| Basement Area | 570 sqft |
| Finished Basement | 570 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,200 sqft (0.028 acres) |
| Deck Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00090084917 |
|---|---|
| Street Address | 3 MERLE CT |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-4241 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LT 3 MERLE COURT |
| Legal Subdivision | MERLE COURT |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 706500 |
3 Merle Ct, a townhouse, is owned and occupied by an individual who bought it in September 2019.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 MERLE CT, ANNAPOLIS, MD 21401-4241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
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 |
|---|---|
| Nov 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 9, 2019 | Grant Deed, Transfer · FHA Mortgage US MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2019 · Amount on File |
| Deed Sale | Sep 26, 2019 · Amount on File |
| Prior Sale | Apr 30, 2015 · Amount on File |
| Deed Book / Page | 33624 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3 MERLE CT, ANNAPOLIS, MD 21401-4241 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0356560072 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 35656/72 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Sep 9, 2019 |
| Property Address | 3 MERLE CT, ANNAPOLIS, MD 21401-4241 |
| Document Number | 0336240001 |
| Book / Page | 033624 / 000001 |
| Instrument Date | Sep 9, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $280.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 3 MERLE CT ANNAPOLIS MD 214014241, ANNAPOLIS, MD 21401-4241 |
| Document Number | 336240008 |
|---|---|
| Date | Sep 9, 2019 |
| Book Page | 033624/000008 |
| Name | US MTG |
|---|---|
| Type | Mortgage Company |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 8, 2049 |
The 2025 property tax bill for 3 Merle Ct was $4,186.
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 | $316,700 Land $100,000 Building $216,700 | $316,700 Land $100,000 Building $216,700 | |
| 2025 | $4,186.00 | ||
| 2023 | $3,489.00 | $243,000 Land $80,000 Building $163,000 | $243,000 Land $80,000 Building $163,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Merle Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
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 3 Merle Ct 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.
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 257 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 |
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