Anne Arundel County property record for 31 Locust Ave, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,442 sqft · built 1931 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $384,000 (Sep 2015) |
| Tax Bill | $6,400 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-04600100 |
| Primary APN | 06-000-04600100 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,442 sqft Living Area |
| 1st Floor Area | 1,078 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1931 |
|---|---|
| Effective Year Built | Effective 1931 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00004600100 |
|---|---|
| Street Address | 31 LOCUST AVE |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-3325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 9 ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 2 |
| Legal Lot Number | 9 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 706600 |
31 Locust Ave is owned and occupied by two individuals who bought it in September 2015.
Source: Anne Arundel County records, as of September 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 31 LOCUST AVE, ANNAPOLIS, MD 21401-3325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION (NC) |
| Sep 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2015 · Amount on File |
| Deed Sale | Sep 11, 2015 · Amount on File |
| Prior Sale | Nov 12, 1980 · Amount on File |
| Deed Book / Page | 28794 / 101 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | May 13, 2026 |
| Property Address | 31 LOCUST AVE, ANNAPOLIS, MD 21401-3325 |
| Document Number | 4234000325 |
| Book / Page | 42340 / 325 |
| Instrument Date | May 9, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ECU TITLE, SECU TITLE |
| Name | Verified Name |
|---|---|
| Address | 31 LOCUST AVE, ANNAPOLIS, MD 21401-3325 |
| Document Number | 4234000325, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 42340/325 |
| Name | STATE EMPLOYEES CREDIT UNION (NC) |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 31 LOCUST AVE, ANNAPOLIS, MD 21401-3325 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SAGE TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 31 LOCUST AVE, ANNAPOLIS, MD 21401-3325 |
| Document Number | 0352250030 |
|---|---|
| Date | Sep 16, 2020 |
| Book Page | 35225/30 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANTILLY, VA 20151 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 31 Locust Ave was $6,400 with a homeowner's exemption.
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 | $489,200 (+5.69%) Land $366,600 Building $122,600 | $489,200 (-) Land $366,600 Building $122,600 | |
| 2025 | $6,400.00 Homeowner's exemption | $462,867 | $489,200 Land $366,600 Building $122,600 |
| 2023 | $5,869.00 Homeowner's exemption | $410,200 Land $314,800 Building $95,400 | $410,200 Land $314,800 Building $95,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 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 31 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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