314 Locust Ave, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 314 Locust Ave, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,242 sqft · built 2005
Lot Size	0.223 acres (9,700 sqft)
Owner	Individual Name on Record
Last Sale	$774,000 (Apr 2021)
Tax Bill	$11,301 (2025)
Deeds & Mortgages	Apr 2021 Sale Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-000-01716405`

Property Details

APN / Parcel Number

Primary APN	`06-000-01716405`
Alternative APNs	`6-000-01716405` `00001716405`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,242 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	918 sqft
Finished Basement	918 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,700 sqft (0.223 acres)
Porch	Open Porch
Porch Area	202 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00001716405
Street Address	314 LOCUST AVE
City	ANNAPOLIS
State	MD
Zip	21401-3329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 32 CEDAR PARK
Legal Subdivision	CEDAR PARK
Legal Block	2
Legal Lot Number	32
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2000
Census Tract	706600

Owner

Source: Anne Arundel County records, as of September 8, 2026

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	314 LOCUST AVE, ANNAPOLIS, MD 21401-3329
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed, Transfer MIDATLANTIC SETTLEMENT SERVICES LL, MID ATLANTIC SETMNT SVCS LLC
Apr 7, 2020	Quit Claim Deed, Transfer NAVY FCU
Mar 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2021 · Amount on Record
Deed Sale	Apr 30, 2021 · Amount on Record
Prior Sale	Apr 7, 2020
Deed Book / Page	36661 / 244
Prior Transfer Date	Mar 27, 2020
Prior Transfer Doc	0344060053
Record Updated	Oct 29, 2026

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 30, 2021
Property Address	314 LOCUST AVE, ANNAPOLIS, MD 21401-3329
Document Number	0366610244
Book / Page	36661 / 244
Map Reference	MB 9 FO 29
Instrument Date	Apr 14, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	MIDATLANTIC SETTLEMENT SERVICES LL, MID ATLANTIC SETMNT SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$11,610.00
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	18 LOCUST AVE, ANNAPOLIS, MD 21401-3326

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 7, 2020
Property Address	314 LOCUST AVE, ANNAPOLIS, MD 21401-3329
Document Number	0344060053
Book / Page	034406 / 000053
Instrument Date	Mar 27, 2020
Transaction Type	Transfer
Record Updated	May 6, 2020
Title Company	HOMELAND TITLE AND ESCROW LIMITED, HOMELAND TITLE & ESCROW LTD

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	314 LOCUST AVE ANNAPOLIS MD 214013329, ANNAPOLIS, MD 21401-3329

Mortgage

Document Number	344060057
Date	Apr 7, 2020
Book Page	034406/000057

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 6, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	314 LOCUST AVE, ANNAPOLIS, MD 21401-3329
Document Number	0307460022
Book / Page	30746 / 22
Instrument Date	Mar 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 31, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 LOCUST AVE ANNAPOLIS MD 214013329, ANNAPOLIS, MD 21401-3329

Mortgage

Document Number	0307460022
Date	Mar 21, 2017
Book Page	030746/000022

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Mar 20, 2057

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$842,000 (+6.77%) Land $377,000 Building $465,000	$842,000 (-) Land $377,000 Building $465,000
2025	$11,301.00 (+6.97%)	$788,633 (+15.65%)	$842,000 (+23.48%) Land $377,000 Building $465,000
2024	$10,565.00 (+7.89%)
2023	$9,792.00	$681,900 Land $324,200 Building $357,700	$681,900 Land $324,200 Building $357,700

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 307 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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