397 Jefferson St, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 397 Jefferson St, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,197 sqft · built 1967
Lot Size	0.148 acres (6,461 sqft)
Owner	2 Individual Names on Record
Tax Bill	$11,320 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-000-90045951`

Property Details

APN / Parcel Number

Primary APN	`06-000-90045951`
Alternative APNs	`6-000-90045951` `00090045951`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,197 sqft Living Area
Gross Area	2,637 sqft
1st Floor Area	1,278 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,461 sqft (0.148 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00090045951
Street Address	397 JEFFERSON ST
City	ANNAPOLIS
State	MD
Zip	21403-2312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LT OR 6461 SQ FT EASTPORT
Legal Subdivision	EASTPORT
Legal Block	1
Legal Lot Number	OR
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1007
Census Tract	706402

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	397 JEFFERSON ST, ANNAPOLIS, MD 21403-2312
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2009
Deed Sale	Jun 9, 2009
Prior Sale	Nov 24, 2004 · Amount on Record
Deed Document Number	20093807
Deed Book / Page	21121 / 481
Prior Transfer Date	May 28, 2009
Prior Transfer Doc	0211210481
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	397 JEFFERSON ST, ANNAPOLIS, MD 21403-2312
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0369300266
Date	Jun 7, 2021
Book Page	36930/266

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Apr 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Anne Arundel County
Municipality	Annapolis City
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,037,900 (+6.15%) Land $443,500 Building $594,400	$1,037,900 (-) Land $443,500 Building $594,400
2025	$11,320.00 (+5.11%) Homeowner's exemption	$977,767 (+14.03%)	$1,037,900 (+21.04%) Land $443,500 Building $594,400
2024	$10,770.00 (+5.63%)
2023	$10,196.00 Homeowner's exemption	$857,500 Land $444,700 Building $412,800	$857,500 Land $444,700 Building $412,800

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	84 units insured incl. 78 condo units
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

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	Not rated no burnable land within ember reach

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	CITY OF ANNAPOLIS serves 35,000 people · EPA ID MD0020001
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	6 ppb (2021–2023) 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 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20