Anne Arundel County property record for 405 Harbor Dr, Annapolis, MD 21403
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,477 sqft · built 1968 |
| Lot Size | 0.298 acres (13,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,518 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Jan 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-412-12197650 |
| Primary APN | 02-412-12197650 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,477 sqft Living Area |
| Gross Area | 1,802 sqft |
| 1st Floor Area | 1,477 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 13,000 sqft (0.298 acres) |
| Garage Type | Attached |
| Garage Area | 325 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 457 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Municipal |
| Account Number | 41212197650 |
|---|---|
| Street Address | 405 HARBOR DR |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21403-3731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 4 BK G SC 3 PL 1 HILLSMERE ESTATES |
| Legal Subdivision | HILLSMERE ESTATES |
| Legal Block | G |
| Legal Lot Number | 4 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 702601 |
405 Harbor Dr is owned and occupied by two individuals.
Source: Anne Arundel County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 HARBOR DR, ANNAPOLIS, MD 21403-3731 |
| 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.
| Date | Document |
|---|---|
| Sep 14, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Jan 23, 2019 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Apr 11, 2017 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 405 HARBOR DR, ANNAPOLIS, MD 21403-3731 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 405 HARBOR DR, ANNAPOLIS, MD 21403-3731 |
| Document Number | 0399320477 |
|---|---|
| Date | Sep 14, 2023 |
| Book Page | 39932/477 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 405 HARBOR DR, ANNAPOLIS, MD 21403-3731 |
| Document Number | 0330880083 |
| Instrument Date | Jan 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 405 HARBOR DR ANNAPOLIS MD 214033731, ANNAPOLIS, MD 21403-3731 |
| Document Number | 0330880083 |
|---|---|
| Date | May 1, 2019 |
| Book Page | 033088/000083 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Apr 30, 2059 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 405 HARBOR DR, ANNAPOLIS, MD 21403-3731 |
| Document Number | 0309350341 |
| Book / Page | 030935 / 000341 |
| Instrument Date | Apr 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 405 HARBOR DR ANNAPOLIS MD 214033731, ANNAPOLIS, MD 21403-3731 |
| Document Number | 0309350341 |
|---|---|
| Date | May 16, 2017 |
| Book Page | 030935/000341 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | May 15, 2057 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 405 Harbor Dr was $3,518 with a homeowner's exemption.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $470,100 Land $247,000 Building $223,100 | $470,100 Land $247,000 Building $223,100 | |
| 2025 | $3,518.00 | ||
| 2023 | $2,572.00 Homeowner's exemption | $393,200 Land $247,000 Building $146,200 | $393,200 Land $247,000 Building $146,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Harbor Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.
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 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 7 (1979–2014) |
| Claims Outside the SFHA | 3 of 7 |
| Most Recent Claim | Aug 2014 · other causes |
| Claims by Event |
|
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 risk around 405 Harbor Dr 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 | 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.
Source: FCC Broadband Data Collection, based on 365 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures