4 Sands Ave, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 4 Sands Ave, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,246 sqft · built 1930
Lot Size	0.259 acres (11,300 sqft)
Owner	2 Individual Names on File
Last Sale	$875,000 (Jun 2003)
Tax Bill	$10,815 (2025)
Deeds & Mortgages	Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-047-03060400`

Property Details

APN / Parcel Number

Primary APN	`02-047-03060400`
Alternative APNs	`2-047-03060400` `04703060400`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,246 sqft Living Area
1st Floor Area	1,585 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,300 sqft (0.259 acres)
View / Lot	Waterfront
Porch	Open Porch
Porch Area	253 sqft
Deck Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	04703060400
Street Address	4 SANDS AVE
City	ANNAPOLIS
State	MD
Zip	21403-4427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PT LTS 20 20A SC 3 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	20
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4009
Census Tract	702602

Owner

4 Sands Ave is owned and occupied by two individuals who acquired it in July 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 SANDS AVE, ANNAPOLIS, MD 21403-4427
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	2 Names on Deed
Last Sale	Jun 23, 2003 · Amount on File
Deed Sale	Jun 23, 2003 · Amount on File
Prior Sale	Jun 30, 1998 · Amount on File
Deed Document Number	20038798
Deed Book / Page	13251 / 551
Last Transfer Date	Jul 31, 2013
Transfer Doc	0275290216
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	4 SANDS AVE, ANNAPOLIS, MD 21403-4427
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SANDS AVE, ANNAPOLIS, MD 21403-4427

Mortgage

Document Number	0390270034
Date	Aug 15, 2022
Book Page	39027/34

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Sep 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.75%
Index	Other
Margin	3
Max Rate	8.75%

Tax Assessment & Valuation

The 2025 property tax bill for 4 Sands Ave was $10,815 with a homeowner's exemption, up 2.3% from the year before.

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		$1,144,200 (+8.06%) Land $933,600 Building $210,600	$1,144,200 (-) Land $933,600 Building $210,600
2025	$10,815.00 (+2.29%) Homeowner's exemption	$1,058,833	$1,144,200 Land $933,600 Building $210,600
2024	$10,573.00 (+20.68%)
2023	$8,761.00 Homeowner's exemption	$888,100 Land $718,600 Building $169,500	$888,100 Land $718,600 Building $169,500

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

Flood

FEMA maps place 4 Sands Ave 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 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	7 (2003–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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

Wildfire risk around 4 Sands Ave 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 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 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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