31 Lawrence Ave, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 31 Lawrence Ave, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,589 sqft · built 1980
Lot Size	0.212 acres (9,250 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,434 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-047-10194600`

Property Details

APN / Parcel Number

Primary APN	`02-047-10194600`
Alternative APNs	`204710194600` `04710194600`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,589 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	525 sqft
Finished Basement	525 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Foyer
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,250 sqft (0.212 acres)
Garage Area	116 sqft
Deck Area	428 sqft
Patio Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	04710194600
Street Address	31 LAWRENCE AVE
City	ANNAPOLIS
State	MD
Zip	21403-4418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 39 SC 6 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	39
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4018
Census Tract	702602

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	31 LAWRENCE AVE, ANNAPOLIS, MD 21403-4418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 1999
Deed Sale	Jun 4, 1999
Prior Sale	Oct 8, 1998 · Amount on Record
Deed Document Number	19997269
Deed Book / Page	9224 / 670
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	31 LAWRENCE AVE, ANNAPOLIS, MD 21403-4418
Transaction Type	Mortgage
Record Updated	Jun 21, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 LAWRENCE AVE, ANNAPOLIS, MD 21403-4418

Mortgage

Document Number	0397030011
Date	Jun 6, 2023
Book Page	39703/11

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	355 Months
Due	Jan 5, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	31 LAWRENCE AVE, ANNAPOLIS, MD 21403-4418
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	FREESTATE TTL SVCS OF ANNAPO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0367890001
Date	May 16, 2021
Book Page	36789/1

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of September 4, 2026

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
2026		$993,600 (+29.98%) Land $801,100 Building $192,500	$993,600 (+29.98%) Land $801,100 Building $192,500
2025	$5,434.00 (+50.44%)
2023	$3,612.00 Homeowner's exemption	$764,400 Land $618,800 Building $145,600	$764,400 Land $618,800 Building $145,600

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 500 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	Low lower than 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 173 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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