321 Thomas Rd, Severna Park, MD 21146 Property Records

Anne Arundel County property record for 321 Thomas Rd, Severna Park, MD 21146

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,298 sqft · built 2016
Lot Size	1.09 acres (47,600 sqft)
Owner	2 Trust Names on File
Last Sale	$2,295,000 (Oct 2022)
Tax Bill	$13,400 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-520-31694523`

Property Details

APN / Parcel Number

Primary APN	`03-520-31694523`
Alternative APNs	`352031694523` `52031694523`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,298 sqft Living Area
1st Floor Area	1,652 sqft
Basement Area	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	47,600 sqft
View / Lot	Waterfront
Garage Type	Detached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Patio Area	275 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	52031694523
Street Address	321 THOMAS RD
City	SEVERNA PARK
State	MD
Zip	21146-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LTS 1E 1F 1G R/S LT MAGOTHY BEACH
Legal Subdivision	MAGOTHY BEACH
Legal Block	1
Legal Lot Number	1E
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	1
Census Block	1001
Census Tract	731207

Owner

321 Thomas Rd is owner-occupied and held in a trust since February 2025.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record	2 Trust Names on File
Mailing Address	321 THOMAS RD, SEVERNA PARK, MD 21146-2115
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Oct 3, 2022	Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2022 · Amount on File
Deed Sale	Oct 3, 2022 · Amount on File
Prior Sale	Nov 5, 2013 · Amount on File
Deed Book / Page	39170 / 473
Last Transfer Date	Feb 28, 2025
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	321 THOMAS RD, SEVERNA PARK, MD 21146-2115
Transaction Type	Mortgage
Record Updated	May 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 THOMAS RD, SEVERNA PARK, MD 21146-2115

Mortgage

Document Number	0396020429
Date	Apr 24, 2023
Book Page	39602/429

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 3, 2022
Property Address	321 THOMAS RD, SEVERNA PARK, MD 21146-2115
Document Number	0391700473
Book / Page	39170 / 473
Map Reference	MB 4 FO 11
Instrument Date	Sep 29, 2022
Transaction Type	Transfer
Record Updated	Oct 25, 2022
Title Company	BAY TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,475.00
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 by the Entirety
Address	321 THOMAS RD, SEVERNA PARK, MD 21146-2115

Mortgage

Document Number	0039170481
Date	Oct 3, 2022
Instrument	39170/481

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 321 Thomas Rd was $13,400.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,435,467	$1,695,000 Land $894,600 Building $800,400
2025	$13,400.00
2023	$9,616.00	$880,600	$916,400 Land $734,600 Building $181,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 321 Thomas Rd 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 16 policies
Nearby Flood Policies	16 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.

Wildfire

Wildfire risk around 321 Thomas Rd 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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fiber	980 / 880

May also be available: Believe Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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