Anne Arundel County property record for 304 Locust Ave, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,806 sqft · built 1951 |
| Lot Size | 0.22 acres (9,580 sqft) |
| Owner | Individual Name on File |
| Last Sale | $928,500 (May 2026) |
| Tax Bill | $7,768 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Jun 2018 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-01811600 |
| Primary APN | 06-000-01811600 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,806 sqft Living Area |
| 1st Floor Area | 910 sqft |
| Basement Area | 448 sqft |
| Finished Basement | 448 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,580 sqft (0.22 acres) |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 192 sqft |
| Deck Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00001811600 |
|---|---|
| Street Address | 304 LOCUST AVE |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-3329 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 29 ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 2 |
| Legal Lot Number | 29 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 706600 |
304 Locust Ave is owned and occupied by an individual who bought it in May 2026.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 304 LOCUST AVE, ANNAPOLIS, MD 21401-3329 |
| 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 |
|---|---|
| May 15, 2026 | Deed, Transfer · Conventional Mortgage ROSWELL BANK |
| Jun 5, 2018 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Jul 20, 2021 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 20, 2018 | Deed of Trust, Mortgage · Conventional with PMI PARKSIDE LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2026 · Amount on File |
| Deed Sale | May 15, 2026 · Amount on File |
| Prior Sale | Jul 20, 2021 · Amount on File |
| Deed Book / Page | 42344 / 152 |
| Transfer Doc | 0000014334 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | May 15, 2026 |
| Property Address | 304 LOCUST AVE, ANNAPOLIS, MD 21401-3329 |
| Document Number | 4234000152 |
| Book / Page | 42344 / 152 |
| Instrument Date | Apr 29, 2026 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | EAGLE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $937,785.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 304 LOCUST AVE, ANNAPOLIS, MD 21401-3329 |
| Document Number | 4234000160, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 42344/160 |
| Name | ROSWELL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 304 LOCUST AVE, ANNAPOLIS, MD 21401-3329 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0321690073 |
|---|---|
| Date | Jun 5, 2018 |
| Book Page | 32169/073 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 25, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jul 20, 2021 |
| Property Address | 304 LOCUST AVE, ANNAPOLIS, MD 21401-3329 |
| Document Number | 0372290221 |
| Book / Page | 37229 / 221 |
| Map Reference | CAB 1 ROD A-4 PL 1 |
| Instrument Date | Jun 24, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Title Company | ATG TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,937.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 304 LOCUST AVE, ANNAPOLIS, MD 21401-3329 |
| Document Number | 37229230 |
|---|---|
| Date | Jul 20, 2021 |
| Instrument | 37229/230 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 304 LOCUST AVE, ANNAPOLIS, MD 21401-3329 |
| Document Number | 0320410047 |
| Instrument Date | Apr 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2018 |
| Title Company | LIBERTY TITLE AND ESCROW |
| Name | Verified Name |
|---|---|
| Address | 304 LOCUST AVE ANNAPOLIS MD 214013329, ANNAPOLIS, MD 21401-3329 |
| Document Number | 0320410047 |
|---|---|
| Date | Apr 25, 2018 |
| Book Page | 032041/000047 |
| Name | PARKSIDE LNDG |
|---|---|
| Address | SAN FRANCISCO, CA 94103 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 24, 2048 |
The 2025 property tax bill for 304 Locust Ave was $7,768.
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 | $588,300 (+8.52%) Land $376,500 Building $211,800 | $588,300 (-) Land $376,500 Building $211,800 | |
| 2025 | $7,768.00 | $542,100 | $588,300 Land $376,500 Building $211,800 |
| 2023 | $6,457.00 | $449,700 Land $323,700 Building $126,000 | $449,700 Land $323,700 Building $126,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 304 Locust Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2013.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (2013–2017) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jul 2017 · 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 304 Locust Ave 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 96% of the US · lower than 92% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 403 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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