Anne Arundel County property record for 31 Windwhisper Ln, Annapolis, MD 21403
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,780 sqft · built 1984 |
| Lot Size | 0.17 acres (7,383 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $402,000 (Sep 2009) |
| Tax Bill | $6,368 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Mar 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-268-90036199 |
| Primary APN | 06-268-90036199 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,780 sqft Living Area |
| 1st Floor Area | 1,264 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Split Level |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,383 sqft (0.17 acres) |
| Porch | Open Porch |
| Porch Area | 20 sqft |
| Deck Area | 504 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 26890036199 |
|---|---|
| Street Address | 31 WINDWHISPER LN |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21403-3474 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 29 PL 3 GEORGETOWN GROVE |
| Legal Subdivision | GEORGETOWN GROVE |
| Legal Block | 1 |
| Legal Lot Number | 29 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 706303 |
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 WINDWHISPER LN, ANNAPOLIS, MD 21403-3474 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 10, 2026 | Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC |
| Mar 12, 2020 | Loan Modification, Mortgage · Conventional with PMI PHH MTG SVCS |
| Oct 11, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2009 · Amount on Record |
| Deed Sale | Sep 16, 2009 · Amount on Record |
| Prior Sale | Mar 15, 2002 · Amount on Record |
| Deed Document Number | 20097013 |
| Deed Book / Page | 21533 / 162 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 31 WINDWHISPER LN, ANNAPOLIS, MD 21403-3474 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0421480356 |
|---|---|
| Date | Mar 10, 2026 |
| Book Page | 42148/356 |
| Name | WEST CAPITAL LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 25, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 31 WINDWHISPER LN, ANNAPOLIS, MD 21403-3474 |
| Document Number | 0345510275 |
| Instrument Date | Mar 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 31 WINDWHISPER LN ANNAPOLIS MD 214033474, ANNAPOLIS, MD 21403-3474 |
| Document Number | 0345510275 |
|---|---|
| Date | May 8, 2020 |
| Book Page | 034551/000275 |
| Name | PHH MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | WEST PALM BEACH, FL 33416-9838 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 7, 2050 |
| Rate | 3.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 31 WINDWHISPER LN, ANNAPOLIS, MD 21403-3474 |
| Document Number | 0315860074 |
| Book / Page | 031586 / 000074 |
| Instrument Date | Oct 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | OCWEN LOAN SVCNG LLC |
| Name | Verified Name |
|---|---|
| Address | 31 WINDWHISPER LN ANNAPOLIS MD 214033474, ANNAPOLIS, MD 21403-3474 |
| Document Number | 0315860074 |
|---|---|
| Date | Nov 21, 2017 |
| Book Page | 031586/000074 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 20, 2047 |
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 | $458,100 (+3.08%) Land $222,600 Building $235,500 | $458,100 (-) Land $222,600 Building $235,500 | |
| 2025 | $6,368.00 (+2.89%) | $444,400 (+6.57%) | $458,100 (+9.86%) Land $222,600 Building $235,500 |
| 2024 | $6,189.00 (+3.36%) | ||
| 2023 | $5,988.00 | $417,000 Land $197,600 Building $219,400 | $417,000 Land $197,600 Building $219,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
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.
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 | Direct burnable vegetation |
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 387 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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