Anne Arundel County property record for 315 Howard Ave, Arnold, MD 21012
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,188 sqft · built 1960 |
| Lot Size | 0.354 acres (15,400 sqft) |
| Owner | Individual Name on File |
| Last Sale | $240,000 (Sep 2018) |
| Tax Bill | $4,202 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Sep 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-270-14468305 |
| Primary APN | 03-270-14468305 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,188 sqft Living Area |
| 1st Floor Area | 1,188 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 15,400 sqft (0.354 acres) |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 27014468305 |
|---|---|
| Street Address | 315 HOWARD AVE |
| City | ARNOLD |
| State | MD |
| Zip | 21012-1146 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LT 23 BK G FERNBROOK |
| Legal Subdivision | FERNBROOK |
| Legal Block | G |
| Legal Lot Number | 23 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 731105 |
315 Howard Ave is owned and occupied by an individual who acquired it in June 2021.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 315 HOWARD AVE, ARNOLD, MD 21012-1146 |
| 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 |
|---|---|
| Jun 30, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Sep 27, 2018 | Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP |
| Jun 4, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage SANDRA M WOELFEL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 27, 2018 · Amount on File |
| Deed Sale | Sep 27, 2018 · Amount on File |
| Prior Sale | Mar 4, 2011 · Amount on File |
| Deed Book / Page | 32520 / 333 |
| Last Transfer Date | Jun 11, 2021 |
| Transfer Doc | 0370910089 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jun 30, 2021 |
| Property Address | 315 HOWARD AVE, ARNOLD, MD 21012-1146 |
| Document Number | 0370910089 |
| Book / Page | 37091 / 89 |
| Map Reference | MB 29 FO 31 |
| Instrument Date | Jun 11, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 315 HOWARD AVE, ARNOLD, MD 21012-1146 |
| Document Number | 0003709195 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 37091/95 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Sep 27, 2018 |
| Property Address | 315 HOWARD AVE, ARNOLD, MD 21012-1146 |
| Document Number | 0325200333 |
| Book / Page | 32520 / 333 |
| Map Reference | MB29 FO31 |
| Instrument Date | Sep 13, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | LAKESIDE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 315 HOWARD AVE, ARNOLD, MD 21012-1146 |
| Document Number | 0032520340 |
|---|---|
| Date | Sep 27, 2018 |
| Instrument | 32520/340 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jun 4, 2018 |
| Property Address | 315 HOWARD AVE, ARNOLD, MD 21012-1146 |
| Document Number | 0321670295 |
| Book / Page | 032167 / 000295 |
| Instrument Date | May 31, 2018 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 315 HOWARD AVE ARNOLD MD 210121146, ARNOLD, MD 21012-1146 |
| Document Number | 321670295 |
|---|---|
| Date | Jun 4, 2018 |
| Book Page | 032167/000295 |
| Name | SANDRA M WOELFEL |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jun 3, 2019 |
| Rate | 2% |
|---|
The 2025 property tax bill for 315 Howard Ave was $4,202 with a homeowner's exemption, up 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 | $357,733 (+4.79%) | $374,100 (-) Land $254,200 Building $119,900 | |
| 2025 | $4,202.00 (+2.04%) Homeowner's exemption | $341,367 | $374,100 Land $254,200 Building $119,900 |
| 2024 | $4,118.00 (+21.37%) | ||
| 2023 | $3,393.00 Homeowner's exemption | $319,000 | $325,000 Land $254,200 Building $70,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 315 Howard Ave 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 31 individual policies |
| Nearby Flood Policies | 65 units insured incl. 34 condo units |
| Nearby Flood Claims | 31 (1979–2024) |
| Claims Outside the SFHA | 5 of 31 |
| Most Recent Claim | Jan 2024 · other causes |
| 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 315 Howard 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GLEN BURNIE-BROADNECK serves 290,606 people · EPA ID MD0020017 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2016–2018) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 421 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Believe Broadband Fixed Wireless | 500 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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