309 Gibson Rd, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 309 Gibson Rd, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,000 sqft · built 1953
Lot Size	0.199 acres (8,670 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,512 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-010-06214500`

Property Details

APN / Parcel Number

Primary APN	`06-010-06214500`
Alternative APNs	`601006214500` `01006214500`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,000 sqft Living Area
Gross Area	2,140 sqft
1st Floor Area	1,000 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,670 sqft (0.199 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	140 sqft
Deck Area	545 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01006214500
Street Address	309 GIBSON RD
City	ANNAPOLIS
State	MD
Zip	21401-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 5 6 BK 7 SC A ADMIRAL HEIGHTS
Legal Subdivision	ADMIRAL HEIGHTS
Legal Block	7
Legal Lot Number	5
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4024
Census Tract	706600

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	309 GIBSON RD, ANNAPOLIS, MD 21401-2226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Oct 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	309 GIBSON RD, ANNAPOLIS, MD 21401-2226
Transaction Type	Mortgage
Record Updated	Aug 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 GIBSON RD, ANNAPOLIS, MD 21401-2226

Mortgage

Document Number	0398080120
Date	Jul 21, 2023
Book Page	39808/120

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	SHALLOTTE, NC 28470

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Jul 11, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	309 GIBSON RD, ANNAPOLIS, MD 21401-2226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 GIBSON RD, ANNAPOLIS, MD 21401-2226

Mortgage

Document Number	0353270155
Date	Oct 2, 2020
Book Page	35327/155

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2050

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		$557,800 (+36.05%) Land $372,100 Building $185,700	$557,800 (+36.05%) Land $372,100 Building $185,700
2025	$5,512.00 (+16.39%)
2023	$4,736.00 Homeowner's exemption	$410,000 Land $266,300 Building $143,700	$410,000 Land $266,300 Building $143,700

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

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2025 · other causes

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	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

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 307 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

May also be available: T-Mobile.

Nearby Properties on Gibson Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures