Anne Arundel County property record for 3117 Cardinal Ct, Annapolis, MD 21403
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,640 sqft · built 1987 |
| Lot Size | 0.687 acres (29,921 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Sep 2015) |
| Tax Bill | $6,466 (2025) |
| Deeds & Mortgages | Jan 2023 Transfer Jan 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-398-90004745 |
| Primary APN | 02-398-90004745 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,640 sqft Living Area |
| Gross Area | 3,040 sqft |
| 1st Floor Area | 1,148 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 29,921 sqft (0.687 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 612 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 352 sqft |
| Deck Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 39890004745 |
|---|---|
| Street Address | 3117 CARDINAL CT |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21403-1635 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 24 SC 1 PL 3 HARNESSES GARDENS |
| Legal Subdivision | HARNESSES GARDENS |
| Legal Block | 4 |
| Legal Lot Number | 24 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 702601 |
3117 Cardinal Ct is owned and occupied by two individuals who acquired it in November 2022.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3117 CARDINAL CT, ANNAPOLIS, MD 21403-1635 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 10, 2023 | Intrafamily Transfer, Transfer |
| Jan 11, 2023 | Intrafamily Transfer, Transfer |
| Feb 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Oct 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 2015 · Amount on File |
| Deed Sale | Sep 10, 2015 · Amount on File |
| Prior Sale | Mar 24, 2015 · Amount on File |
| Deed Book / Page | 28791 / 172 |
| Last Transfer Date | Nov 30, 2022 |
| Transfer Doc | 0393910043 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jan 10, 2023 |
| Property Address | 3117 CARDINAL CT, ANNAPOLIS, MD 21403-1635 |
| Document Number | 0393870252 |
| Book / Page | 39387 / 252 |
| Map Reference | MB 59 FO 49 |
| Instrument Date | Nov 30, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3117 CARDINAL CT, ANNAPOLIS, MD 21403-1635 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jan 11, 2023 |
| Property Address | 3117 CARDINAL CT, ANNAPOLIS, MD 21403-1635 |
| Document Number | 0393910043 |
| Book / Page | 39391 / 43 |
| Map Reference | MB 59 FO 49 |
| Instrument Date | Nov 30, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3117 CARDINAL CT, ANNAPOLIS, MD 21403-1635 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3117 CARDINAL CT, ANNAPOLIS, MD 21403-1635 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2021 |
| Title Company | ADVANTAGE TITLE INC, ADVANTAGE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0361200455 |
|---|---|
| Date | Feb 10, 2021 |
| Book Page | 36120/455 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 3117 CARDINAL CT, ANNAPOLIS, MD 21403-1635 |
| Document Number | 0314520335 |
| Book / Page | 031452 / 000335 |
| Instrument Date | Oct 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2017 |
| Name | Verified Name |
|---|---|
| Address | 3117 CARDINAL CT ANNAPOLIS MD 214031635, ANNAPOLIS, MD 21403-1635 |
| Document Number | 0314520335 |
|---|---|
| Date | Oct 13, 2017 |
| Book Page | 031452/000335 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 12, 2047 |
The 2025 property tax bill for 3117 Cardinal Ct was $6,466 with a homeowner's exemption, up 2.2% from the year before.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $686,800 (+6.7%) Land $226,400 Building $460,400 | $686,800 (-) Land $226,400 Building $460,400 | |
| 2025 | $6,466.00 (+2.21%) Homeowner's exemption | $643,700 | $686,800 Land $226,400 Building $460,400 |
| 2024 | $6,326.00 (+12.96%) | ||
| 2023 | $5,600.00 Homeowner's exemption | $557,500 Land $226,400 Building $331,100 | $557,500 Land $226,400 Building $331,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3117 Cardinal Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 14 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 32 (1979–2008) |
| Claims Outside the SFHA | 6 of 32 |
| Most Recent Claim | May 2008 · rainfall accumulation |
| Claims by Event |
|
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 3117 Cardinal Ct is low, with a 0.02% annual chance of 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
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