3403 Niagara Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 3403 Niagara Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,520 sqft · built 2002
Lot Size	0.224 acres (9,750 sqft)
Owner	Individual Name on File
Last Sale	$1,550,000 (Sep 2025)
Tax Bill	$11,541 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-002-90058749`

Property Details

APN / Parcel Number

Primary APN	`02-002-90058749`
Alternative APNs	`200290058749` `00290058749`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,520 sqft Living Area
Gross Area	3,920 sqft
1st Floor Area	1,952 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,750 sqft (0.224 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	472 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00290058749
Street Address	3403 NIAGARA RD
City	ANNAPOLIS
State	MD
Zip	21403-4802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT FR BK 73 ARUNDEL ON THE BAY
Legal Subdivision	ARUNDEL ON THE BAY
Legal Block	73
Legal Lot Number	FR
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1017
Census Tract	702602

Owner

3403 Niagara Rd is owned and occupied by an individual who bought it in September 2025.

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

Owner of Record	Individual Name on File
Mailing Address	3403 NIAGARA RD, ANNAPOLIS, MD 21403-4802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Oct 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Sep 19, 2025	Special Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Oct 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL ONE NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2025 · Amount on File
Deed Sale	Sep 19, 2025 · Amount on File
Prior Sale	May 21, 2012 · Amount on File
Deed Book / Page	41659 / 146
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3403 NIAGARA RD, ANNAPOLIS, MD 21403-4802
Transaction Type	Mortgage
Record Updated	Oct 6, 2025
Title Company	AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0377530378
Date	Oct 21, 2021
Book Page	37753/378

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

September 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Sep 19, 2025
Property Address	3403 NIAGARA RD, ANNAPOLIS, MD 21403-4802
Document Number	0416590146
Book / Page	41659 / 146
Map Reference	MB 107 FO 45 PL 5570
Instrument Date	Sep 12, 2025
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	UNKNOWN, MANOR TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,750.00
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	3403 NIAGARA RD, ANNAPOLIS, MD 21403-4802

Mortgage

Document Number	0041659154
Date	Sep 19, 2025
Instrument	41659/154

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Max Rate	10.5%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	3403 NIAGARA RD, ANNAPOLIS, MD 21403-4802
Document Number	0314500099
Instrument Date	Oct 3, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3403 NIAGARA RD ANNAPOLIS MD 214034802, ANNAPOLIS, MD 21403-4802

Mortgage

Document Number	0314500099
Date	Oct 13, 2017
Book Page	031450/000099

Lender

Name	CAPITAL ONE NA
Type	Bank
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 3403 Niagara Rd was $11,541.

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		$1,110,900 (+9.26%) Land $413,200 Building $697,700	$1,110,900 (-) Land $413,200 Building $697,700
2025	$11,541.00 Homeowner's exemption	$1,016,733	$1,110,900 Land $413,200 Building $697,700
2023	$9,046.00 Homeowner's exemption	$828,400 Land $371,900 Building $456,500	$828,400 Land $371,900 Building $456,500

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

Flood

FEMA maps place 3403 Niagara Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 265 policies
Nearby Flood Policies	265 in force
Nearby Flood Claims	76 (1978–2024)
Claims Outside the SFHA	24 of 76
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 36 claims

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 3403 Niagara 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 99.1% of the US · lower than 98.5% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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