Anne Arundel County property record for 303 State St, Annapolis, MD 21403
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 4,266 sqft · built 2005 |
| Lot Size | 0.128 acres (5,554 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,130,000 (May 2020) |
| Tax Bill | $17,452 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage May 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-90219410 |
| Primary APN | 06-000-90219410 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,266 sqft Living Area |
| Gross Area | 4,482 sqft |
| 1st Floor Area | 1,599 sqft |
| Basement Area | 1,279 sqft |
| Finished Basement | 1,279 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 5,554 sqft (0.128 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 117 sqft |
| Deck Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 00090219410 |
|---|---|
| Street Address | 303 STATE ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21403-2421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 3 SPA CREEK OVERLOOK |
| Legal Subdivision | SPA CREEK OVERLOOK |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 706302 |
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 | 303 STATE ST, ANNAPOLIS, MD 21403-2421 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WESBANCO BANK INC |
| May 28, 2020 | Deed, Transfer · Conventional Mortgage WESBANCO BANK INC |
| May 18, 2017 | Grant Deed, Transfer NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2020 · Amount on Record |
| Deed Sale | May 28, 2020 · Amount on Record |
| Prior Sale | May 18, 2017 · Amount on Record |
| Deed Book / Page | 34650 / 315 |
| Prior Transfer Date | Dec 19, 2013 |
| Prior Transfer Doc | 0270250353 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 303 STATE ST, ANNAPOLIS, MD 21403-2421 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Title Company | EAGLE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 303 STATE ST, ANNAPOLIS, MD 21403-2421 |
| Document Number | 0373620232 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | 37362/232 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | WHEELING, WV 26003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | May 28, 2020 |
| Property Address | 303 STATE ST, ANNAPOLIS, MD 21403-2421 |
| Document Number | 0346500315 |
| Book / Page | 34650 / 315 |
| Map Reference | MB 256 PG12 PL 13338 |
| Instrument Date | May 18, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16,950.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 306 NORTHWEST DR, 306, SILVER SPRING, MD 20901-1226 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 303 STATE ST, ANNAPOLIS, MD 21403-2421 |
| Document Number | 34650323 |
|---|---|
| Date | May 28, 2020 |
| Instrument | 34650/323 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Jun 1, 2035 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.25% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.25% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | May 18, 2017 |
| Property Address | 303 STATE ST, ANNAPOLIS, MD 21403-2421 |
| Document Number | 0309500161 |
| Book / Page | 030950 / 000161 |
| Instrument Date | May 15, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2017 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,010.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 303 STATE ST ANNAPOLIS MD 214032421, ANNAPOLIS, MD 21403-2421 |
| Document Number | 309500167 |
|---|---|
| Date | May 18, 2017 |
| Book Page | 030950/000167 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 17, 2047 |
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 | $1,371,200 (+6.51%) Land $546,000 Building $825,200 | $1,371,200 (-) Land $546,000 Building $825,200 | |
| 2025 | $17,452.00 (+4.78%) Homeowner's exemption | $1,287,433 (+14.96%) | $1,371,200 (+22.44%) Land $546,000 Building $825,200 |
| 2024 | $16,656.00 (+5.37%) | ||
| 2023 | $15,807.00 Homeowner's exemption | $1,119,900 Land $546,800 Building $573,100 | $1,119,900 Land $546,800 Building $573,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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 |
|
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.
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.
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 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 |
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