329 Locust Ave, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 329 Locust Ave, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,208 sqft · built 1940
Lot Size	0.235 acres (10,220 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,568 (2025)
Deeds & Mortgages	May 2022 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000-05023950`

Property Details

APN / Parcel Number

Primary APN	`06-000-05023950`
Alternative APNs	`6-000-05023950` `00005023950`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,208 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	384 sqft
Finished Basement	384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,220 sqft (0.235 acres)
Porch	Open Porch
Porch Area	154 sqft
Deck Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00005023950
Street Address	329 LOCUST AVE
City	ANNAPOLIS
State	MD
Zip	21401-3328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 3 CEDAR PARK
Legal Subdivision	CEDAR PARK
Legal Block	2
Legal Lot Number	3
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2001
Census Tract	706600

Owner

329 Locust Ave is owned by two individuals who acquired it in March 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	331 LOCUST AVE, ANNAPOLIS, MD 21401-3328
Owner Type	Individual
Vesting	Joint Tenants

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
May 10, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
May 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2006
Deed Sale	Mar 30, 2006
Deed Document Number	20063760
Deed Book / Page	17640 / 411
Last Transfer Date	Mar 20, 2015
Transfer Doc	0285610031
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	329 LOCUST AVE, ANNAPOLIS, MD 21401-3328
Transaction Type	Mortgage
Record Updated	May 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	329 LOCUST AVE, ANNAPOLIS, MD 21401-3328

Mortgage

Document Number	0387140423
Date	May 10, 2022
Book Page	38714/423

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	May 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	329 LOCUST AVE, ANNAPOLIS, MD 21401-3328
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0346170455
Date	May 21, 2020
Book Page	34617/455

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 329 Locust Ave was $7,568, up 7.4% from the year before.

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		$565,800 (+7.13%) Land $379,500 Building $186,300	$565,800 (-) Land $379,500 Building $186,300
2025	$7,568.00 (+7.38%)	$528,133	$565,800 Land $379,500 Building $186,300
2024	$7,048.00 (+12.97%)
2023	$6,239.00 Homeowner's exemption	$452,800 Land $326,400 Building $126,400	$452,800 Land $326,400 Building $126,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 329 Locust Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2013.

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

Wildfire risk around 329 Locust 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.

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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