4 Cumberland Ct, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 4 Cumberland Ct, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,089 sqft · built 1925
Lot Size	0.083 acres (3,600 sqft)
Owner	Individual Name on File
Last Sale	$1,510,000 (Apr 2023)
Tax Bill	$14,913 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000-09140600`

Property Details

APN / Parcel Number

Primary APN	`06-000-09140600`
Alternative APNs	`600009140600` `00009140600`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,089 sqft Living Area
1st Floor Area	1,083 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Stucco
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	3,600 sqft (0.083 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	42 sqft
Deck Area	91 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00009140600
Street Address	4 CUMBERLAND CT
City	ANNAPOLIS
State	MD
Zip	21401-1605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT ANNAPOLIS
Legal Subdivision	ANNAPOLIS
Legal Block	2
Legal Lot Number	4
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2001
Census Tract	706103

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Colonial Annapolis Historic District listed 1966 · National Historic Landmark (designated 1965) · NRIS 66000383

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

4 Cumberland Ct is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	4 CUMBERLAND CT, ANNAPOLIS, MD 21401-1605
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2023 · Amount on File
Deed Sale	Apr 24, 2023 · Amount on File
Prior Sale	Apr 20, 2001 · Amount on File
Deed Book / Page	39604 / 109
Transfer Doc	0000011669
Record Updated	Oct 29, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 24, 2023
Property Address	4 CUMBERLAND CT, ANNAPOLIS, MD 21401-1605
Document Number	0396040109
Book / Page	39604 / 109
Instrument Date	Apr 20, 2023
Transaction Type	Transfer
Record Updated	May 10, 2023
Title Company	NOT AVAILABLE, EAGLE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,550.00
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 in Severalty
Address	4 CUMBERLAND CT, ANNAPOLIS, MD 21401-1605

Mortgage

Document Number	0039604118
Date	Apr 24, 2023
Instrument	39604/118

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	May 1, 2028
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.3%
Index	Other
Margin	3
Max Rate	10.3%

Tax Assessment & Valuation

The 2025 property tax bill for 4 Cumberland Ct was $14,913.

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		$1,159,000 Land $785,300 Building $373,700	$1,159,000 Land $785,300 Building $373,700
2025	$14,913.00
2023	$11,546.00	$804,100 Land $632,100 Building $172,000	$804,100 Land $632,100 Building $172,000

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

Flood

FEMA maps place 4 Cumberland Ct in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2021.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 25 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	5 (2021–2024)
Most Recent Claim	Jan 2024 · 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

Wildfire risk around 4 Cumberland Ct is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 503 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