31 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 31 E Lake Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,597 sqft · built 1996
Lot Size	0.227 acres (9,900 sqft)
Owner	Individual Name on Record
Last Sale	$1,725,000 (Jun 2023)
Tax Bill	$12,363 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-047-10272650`

Property Details

APN / Parcel Number

Primary APN	`02-047-10272650`
Alternative APNs	`2-047-10272650` `04710272650`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,597 sqft Living Area
1st Floor Area	1,833 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Wood Shingle
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,900 sqft (0.227 acres)
Porch	Open Porch
Porch Area	362 sqft
Deck Area	700 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	04710272650
Street Address	31 E LAKE DR
City	ANNAPOLIS
State	MD
Zip	21403-4412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PT LTS 34 35 SC 3 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	34
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4009
Census Tract	702602

Owner

Source: Anne Arundel County records, as of August 13, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	31 E LAKE DR, ANNAPOLIS, MD 21403-4412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2023 · Amount on Record
Deed Sale	Jun 28, 2023 · Amount on Record
Prior Sale	Apr 10, 2012 · Amount on Record
Deed Book / Page	39756 / 402
Prior Transfer Date	May 11, 2015
Prior Transfer Doc	0283640453
Record Updated	Jun 8, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 28, 2023
Property Address	31 E LAKE DR, ANNAPOLIS, MD 21403-4412
Document Number	0397560402
Book / Page	39756 / 402
Instrument Date	Jun 26, 2023
Transaction Type	Transfer
Record Updated	Jul 14, 2023
Title Company	NOT AVAILABLE, MID ATLANTIC STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,312.50
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 in Severalty
Address	31 E LAKE DR, ANNAPOLIS, MD 21403-4412

Mortgage

Document Number	0039756408
Date	Jun 28, 2023
Instrument	39756/408

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	31 E LAKE DR, ANNAPOLIS, MD 21403-4412
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0372800144
Date	Jul 28, 2021
Book Page	37280/144

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Anne Arundel County
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,075,667 (+19.33%)	$1,162,800 (+29%) Land $807,500 Building $355,300
2024	$12,363.00 (+32.34%)
2023	$9,342.00 (+3%) Homeowner's exemption	$901,400 (+3.84%) Land $622,400 Building $279,000	$901,400 (-) Land $622,400 Building $279,000
2022	$9,070.00 Homeowner's exemption	$868,033	$901,400 Land $622,400 Building $279,000

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
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 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	7 (2003–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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