357 Valley Stream Rd, Severna Park, MD 21146 Property Records

Anne Arundel County property record for 357 Valley Stream Rd, Severna Park, MD 21146

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,555 sqft · built 1988
Lot Size	0.32 acres (13,940 sqft)
Owner	2 Individual Names on Record
Last Sale	$755,000 (Feb 2022)
Tax Bill	$8,365 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-692-90048524`

Property Details

APN / Parcel Number

Primary APN	`03-692-90048524`
Alternative APNs	`369290048524` `69290048524`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,555 sqft Living Area
Gross Area	2,995 sqft
1st Floor Area	1,020 sqft
Basement Area	675 sqft
Finished Basement	675 sqft
Elevator	Elevator

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,940 sqft (0.32 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	120 sqft
Deck Area	120 sqft
Patio Area	360 sqft
Shed	1 Shed
Shed Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	69290048524
Street Address	357 VALLEY STREAM RD
City	SEVERNA PARK
State	MD
Zip	21146-1339
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 82 RIVERDALE
Legal Subdivision	RIVERDALE
Legal Block	2
Legal Lot Number	82
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	3
Census Block Group	2
Census Block	2003
Census Tract	731208

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	357 VALLEY STREAM RD, SEVERNA PARK, MD 21146-1339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Feb 17, 2022	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Aug 6, 2020	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2022 · Amount on Record
Deed Sale	Feb 17, 2022 · Amount on Record
Prior Sale	Aug 6, 2020 · Amount on Record
Deed Book / Page	38377 / 297
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	357 VALLEY STREAM RD, SEVERNA PARK, MD 21146-1339
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 VALLEY STREAM RD, SEVERNA PARK, MD 21146-1339

Mortgage

Document Number	0400610195
Date	Nov 15, 2023
Book Page	40061/195

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	SEVERNA PARK, MD 21146

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	236 Months
Due	Jul 5, 2043

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Feb 17, 2022
Property Address	357 VALLEY STREAM RD, SEVERNA PARK, MD 21146-1339
Document Number	0383770297
Book / Page	38377 / 297
Map Reference	MB 15 FO 20
Instrument Date	Feb 14, 2022
Transaction Type	Transfer
Record Updated	Mar 7, 2022
Title Company	LAND ABSTRACT & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,325.00
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	357 VALLEY STREAM RD, SEVERNA PARK, MD 21146-1339

Mortgage

Document Number	0038377302
Date	Feb 17, 2022
Instrument	38377/302

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Mar 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	Other
Max Rate	7.75%

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Aug 6, 2020
Property Address	357 VALLEY STREAM RD, SEVERNA PARK, MD 21146-1339
Document Number	0350090233
Book / Page	035009 / 000233
Instrument Date	Jul 20, 2020
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$642.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 VALLEY STREAM RD SEVERNA PARK MD 211461339, SEVERNA PARK, MD 21146-1339

Mortgage

Document Number	350090240
Date	Aug 6, 2020
Book Page	035009/000240

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2050

Tax Assessment & Valuation

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		$720,000 (+0.63%) Land $401,100 Building $318,900	$720,000 (-5.45%) Land $401,100 Building $318,900
2025	$8,365.00 (+7.07%)
2023	$7,813.00	$715,500	$761,500 Land $401,100 Building $360,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 296 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	980 / 880

May also be available: Believe Broadband.

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