406 Harbor Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 406 Harbor Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,482 sqft · built 1972
Lot Size	0.288 acres (12,562 sqft)
Owner	Individual Name on File
Last Sale	$800,000 (Mar 2026)
Tax Bill	$6,424 (2025)
Deeds & Mortgages	May 2024 Mortgage Jul 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-412-03269710`

Property Details

APN / Parcel Number

Primary APN	`02-412-03269710`
Alternative APNs	`2-412-03269710` `41203269710`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,482 sqft Living Area
1st Floor Area	1,809 sqft
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,562 sqft (0.288 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	164 sqft
Deck Area	320 sqft
Patio Area	350 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	41203269710
Street Address	406 HARBOR DR
City	ANNAPOLIS
State	MD
Zip	21403-3732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 5 BK H SC 3 PL 1 HILLSMERE ESTATES
Legal Subdivision	HILLSMERE ESTATES
Legal Block	H
Legal Lot Number	5
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1023
Census Tract	702601

Owner

Source: Anne Arundel County records · APN 02-412-03269710

Assessment roll updated August 13, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	406 HARBOR DR, ANNAPOLIS, MD 21403-3732
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 08, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 22, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Nov 20, 2024	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Mar 04, 2026	Deed, Transfer · VA Mortgage ATLANTIC COAST MORTGAGE
Dec 15, 2021	Deed, Transfer GUARANTEED TRUST TITLE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 04, 2026 · Amount on Record
Deed Sale	Mar 04, 2026 · Amount on Record
Prior Sale	Dec 15, 2021 · Amount on Record
Deed Document Number	2026
Deed Book / Page	42128 / 199
Transfer Doc	0081850631
Record Updated	Jun 08, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	406 HARBOR DR, ANNAPOLIS, MD 21403-3732
Transaction Type	Mortgage
Record Updated	Mar 19, 2026
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 HARBOR DR, ANNAPOLIS, MD 21403-3732

Mortgage

Document Number	0404130252
Date	May 08, 2024
Book Page	40413/252

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2054

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	406 HARBOR DR, ANNAPOLIS, MD 21403-3732
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 HARBOR DR, ANNAPOLIS, MD 21403-3732

Mortgage

Document Number	0389580287
Date	Jul 22, 2022
Book Page	38958/287

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 21, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	406 HARBOR DR, ANNAPOLIS, MD 21403-3732
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 HARBOR DR, ANNAPOLIS, MD 21403-3732

Mortgage

Document Number	0409050471
Date	Nov 20, 2024
Book Page	40905/471

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 04, 2026
Property Address	406 HARBOR DR, ANNAPOLIS, MD 21403-3732
Document Number	0421280199
Book / Page	42128 / 199
Map Reference	MB 25 FO 7
Instrument Date	Feb 20, 2026
Transaction Type	Transfer
Record Updated	Mar 19, 2026
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
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	406 HARBOR DR, ANNAPOLIS, MD 21403-3732

Mortgage

Document Number	0042128207
Date	Mar 04, 2026
Instrument	42128/207

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2056

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Dec 15, 2021
Property Address	406 HARBOR DR, ANNAPOLIS, MD 21403-3732
Document Number	0380780082
Book / Page	38078 / 82
Map Reference	MB 25 FO 7
Instrument Date	Nov 18, 2021
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	GUARANTEED TRUST TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$9,675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	406 HARBOR DR, ANNAPOLIS, MD 21403-3732

Tax Assessment & Valuation

Source: Anne Arundel County records · Assessment roll updated August 13, 2025 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,424.00 (+2.98%) Homeowner's exemption	$600,733 (+22.9%)	$656,700 (+34.35%) Land $245,600 Building $411,100
2024	$6,238.00 (+17.21%)
2023	$5,322.00	$488,800 Land $245,600 Building $243,200	$488,800 Land $245,600 Building $243,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Isabel, Sep 2003 · 3 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 365 locations within half a mile of this property.

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