386 Ridge Rd, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 386 Ridge Rd, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,710 sqft · built 1999
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Trust Names on Record
Last Sale	$610,000 (May 2019)
Tax Bill	$4,726 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-746-10555600`

Property Details

APN / Parcel Number

Primary APN	`02-746-10555600`
Alternative APNs	`2-746-10555600` `74610555600`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,710 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	862 sqft
Finished Basement	862 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,400 sqft (0.193 acres)
Deck Area	120 sqft
Balcony Area	261 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	74610555600
Street Address	386 RIDGE RD
City	ANNAPOLIS
State	MD
Zip	21401-2924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LTS 16 17 18 19 BK12 SEVERN GROVE
Legal Subdivision	SEVERN GROVE
Legal Block	12
Legal Lot Number	16
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2029
Census Tract	702702

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 Trust Names on Record
Mailing Address	386 RIDGE RD, ANNAPOLIS, MD 21401-2924
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage MAS ASSOCIATES LLC
May 30, 2019	Deed of Trust, Mortgage · ARM MAS ASSOCIATES LLC
May 15, 2019	Deed, Transfer · ARM MAS ASSOCIATION LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2019 · Amount on Record
Deed Sale	May 15, 2019 · Amount on Record
Prior Sale	Apr 30, 1999 · Amount on Record
Deed Book / Page	33142 / 194
Last Transfer Date	Jun 3, 2024
Transfer Doc	0404870041
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	386 RIDGE RD, ANNAPOLIS, MD 21401-2924
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	TERRAIN TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 RIDGE RD, ANNAPOLIS, MD 21401-2924

Mortgage

Document Number	0366590027
Date	Apr 29, 2021
Book Page	36659/27

Lender

Name	MAS ASSOCIATES LLC
Type	Non-Lending Institution
Address	OWINGS MILLS, MD 21117

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Mar 1, 2036

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	386 RIDGE RD, ANNAPOLIS, MD 21401-2924
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0331810455
Date	May 30, 2019
Book Page	33181/455

Lender

Name	MAS ASSOCIATES LLC
Type	Non-Lending Institution
Address	OWINGS MILLS, MD 21117

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jun 1, 2034
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 15, 2019
Property Address	386 RIDGE RD, ANNAPOLIS, MD 21401-2924
Document Number	0331420194
Book / Page	33142 / 194
Map Reference	MB 8 FO 41
Instrument Date	May 15, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	ATLANTIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,625.00
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	386 RIDGE RD, ANNAPOLIS, MD 21401-2924

Mortgage

Document Number	33142200
Date	May 15, 2019
Instrument	33142/200

Lender

Name	MAS ASSOCIATION LLC
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jun 1, 2034
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

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		$633,700 (+0.78%)	$643,500 (+2.34%) Land $265,400 Building $378,100
2025	$4,726.00 (+2.96%) Homeowner's exemption	$628,800 (+19.26%) Land $265,400 Building $363,400	$628,800 (-) Land $265,400 Building $363,400
2024	$4,590.00 (+29.95%)
2023	$3,532.00 Homeowner's exemption	$527,267	$628,800 Land $265,400 Building $363,400

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	7 in force
Nearby Flood Claims	5 (2003–2017)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2017 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 3 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 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BROAD CREEK serves 26,033 people · EPA ID MD0020004
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2017–2019) 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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: Believe Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures