397 Forest Beach Rd, Annapolis, MD 21409 Property Records

Anne Arundel County property record for 397 Forest Beach Rd, Annapolis, MD 21409

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,891 sqft · built 1996
Lot Size	2.43 acres (105,851 sqft)
Owner	2 Individual Names on File
Last Sale	$1,310,000 (Sep 2021)
Tax Bill	$8,999 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-000-90058923`

Property Details

APN / Parcel Number

Primary APN	`03-000-90058923`
Alternative APNs	`300090058923` `00090058923`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,891 sqft Living Area
1st Floor Area	1,324 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	105,851 sqft
View / Lot	Waterfront
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	404 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00090058923
Street Address	397 FOREST BEACH RD
City	ANNAPOLIS
State	MD
Zip	21409-5901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 2 OR 2.437 ACRES BROWNS WOODS
Legal Subdivision	BROWNS WOODS
Legal Block	2
Legal Lot Number	2
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	2
Census Block	2003
Census Tract	730901

Owner

397 Forest Beach Rd is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	397 FOREST BEACH RD, ANNAPOLIS, MD 21409-5901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 15, 2021	Deed, Transfer NOT AVAILABLE, EAGLE TITLE LLC
Jun 5, 2017	Deed, Transfer · Line of Credit TOWER FEDERAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2021 · Amount on File
Deed Sale	Sep 15, 2021 · Amount on File
Prior Sale	Jun 5, 2017 · Amount on File
Deed Book / Page	37526 / 275
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	397 FOREST BEACH RD, ANNAPOLIS, MD 21409-5901
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0353890140
Date	Oct 9, 2020
Book Page	35389/140

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Sep 15, 2021
Property Address	397 FOREST BEACH RD, ANNAPOLIS, MD 21409-5901
Document Number	0375260275
Book / Page	37526 / 275
Map Reference	LB 4500 FO 107
Instrument Date	Aug 25, 2021
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	NOT AVAILABLE, EAGLE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$16,375.00
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	397 FOREST BEACH RD, ANNAPOLIS, MD 21409-5901

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 5, 2017
Property Address	397 FOREST BEACH RD, ANNAPOLIS, MD 21409-5901
Document Number	0310020421
Book / Page	31002 / 421
Map Reference	LB4496 FO740
Instrument Date	May 26, 2017
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 FOREST BEACH RD, ANNAPOLIS, MD 21409-5901

Mortgage

Document Number	0031002444
Date	Jun 5, 2017
Instrument	31002/444

Lender

Name	TOWER FEDERAL CU
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	0310020428
Date	Jun 5, 2017
Book Page	31002/428

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 397 Forest Beach Rd was $8,999 with a homeowner's exemption.

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		$1,236,700	$1,449,400 Land $1,218,300 Building $231,100
2025	$8,999.00
2023	$8,033.00	$735,667	$811,300 Land $615,800 Building $195,500

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

Flood

FEMA maps place 397 Forest Beach Rd in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2003)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2003 · 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 397 Forest Beach 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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 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	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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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