3704 Thomas Point Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 3704 Thomas Point Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,625 sqft · built 1966
Lot Size	0.717 acres (31,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Jul 2023)
Tax Bill	$7,117 (2024)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jul 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-909-08388105`

Property Details

APN / Parcel Number

Primary APN	`02-909-08388105`
Alternative APNs	`2-909-08388105` `90908388105`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,625 sqft Living Area
Gross Area	3,105 sqft
1st Floor Area	1,701 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	31,240 sqft (0.717 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	504 sqft
Porch	Open Porch
Porch Area	165 sqft
Patio Area	219 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	90908388105
Street Address	3704 THOMAS POINT RD
City	ANNAPOLIS
State	MD
Zip	21403-5008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 3 SC 1 WATERGATE
Legal Subdivision	WATERGATE
Legal Block	1
Legal Lot Number	3
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1008
Census Tract	702602

Owner

Source: Anne Arundel County records, as of September 9, 2025

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	3704 THOMAS POINT RD, ANNAPOLIS, MD 21403-5008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2023	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 11, 2020	Quit Claim Deed, Transfer CAPITOL TITLE COMPANY INC, CAPITOL TITLE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2023 · Amount on Record
Deed Sale	Jul 12, 2023 · Amount on Record
Prior Transfer Date	Nov 7, 2022
Prior Transfer Doc	0397860176
Record Updated	Jun 8, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jul 12, 2023
Property Address	3704 THOMAS POINT RD, ANNAPOLIS, MD 21403-5008
Document Number	0397860176
Book / Page	39786 / 176
Map Reference	MB 32 FO 84
Instrument Date	Nov 7, 2022
Transaction Type	Transfer
Record Updated	Aug 3, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25 BANCROFT AVE, ANNAPOLIS, MD 21403-4437

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3704 THOMAS POINT RD, ANNAPOLIS, MD 21403-5008

Mortgage

Document Number	0039786185
Date	Jul 12, 2023
Instrument	39786/185

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Dec 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.9%
Margin	3
Max Rate	10.9%

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jul 11, 2020
Property Address	3704 THOMAS POINT RD, ANNAPOLIS, MD 21403-5008
Document Number	0348390355
Book / Page	034839 / 000355
Instrument Date	Oct 1, 2019
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	CAPITOL TITLE COMPANY INC, CAPITOL TITLE CO INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3704 THOMAS POINT RD ANNAPOLIS MD 214035008, ANNAPOLIS, MD 21403-5008

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of August 13, 2025

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
2025		$1,065,567 (+34.02%)	$1,200,800 (+51.03%) Land $710,800 Building $490,000
2024	$7,117.00 (+11.22%)
2023	$6,399.00 (-22.96%) Homeowner's exemption	$795,100 (+0.03%) Land $570,800 Building $224,300	$795,100 (-) Land $570,800 Building $224,300
2022	$8,306.00 Homeowner's exemption	$794,833	$795,100 Land $570,800 Building $224,300

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 98 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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