Anne Arundel County property record for 409 Fifth St, Annapolis, MD 21403
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,504 sqft · built 1920 |
| Lot Size | 0.118 acres (5,130 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $13,340 (2025) |
| Deeds & Mortgages | Nov 2025 Transfer Feb 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-90010481 |
| Primary APN | 06-000-90010481 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,504 sqft Living Area |
| Gross Area | 3,810 sqft |
| 1st Floor Area | 1,462 sqft |
| Basement Area | 580 sqft |
| Finished Basement | 580 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 5,130 sqft (0.118 acres) |
| Porch | Open Porch |
| Porch Area | 408 sqft |
| Deck Area | 104 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00090010481 |
|---|---|
| Street Address | 409 FIFTH ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21403-2514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 3 |
| Legal Lot Number | 409 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 706302 |
Source: Anne Arundel County records, as of September 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 409 FIFTH ST, ANNAPOLIS, MD 21403-2514 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Nov 17, 2025 | Intrafamily Transfer, Transfer |
| Feb 13, 2024 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC |
| Jan 31, 2018 | Deed of Trust, Mortgage FIDELITY DIRECT MORTGAGE LLC |
| Dec 15, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage FIDELITY DIRECT MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 30, 2025 |
| Transfer Doc | 0418380024 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Nov 17, 2025 |
| Property Address | 409 FIFTH ST, ANNAPOLIS, MD 21403-2514 |
| Document Number | 0418380024 |
| Book / Page | 41838 / 24 |
| Map Reference | LB WGL 2980 FO 210 |
| Instrument Date | Oct 30, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 409 FIFTH ST, ANNAPOLIS, MD 21403-2514 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 409 FIFTH ST, ANNAPOLIS, MD 21403-2514 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2024 |
| Title Company | POWERHOUSE TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 409 FIFTH ST, ANNAPOLIS, MD 21403-2514 |
| Document Number | 0402350489 |
|---|---|
| Date | Feb 13, 2024 |
| Book Page | 40235/489 |
| Name | FIDELITY DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | GAITHERSBURG, MD 20877 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 409 FIFTH ST, ANNAPOLIS, MD 21403-2514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0318070062 |
|---|---|
| Date | Jan 31, 2018 |
| Book Page | 31807/062 |
| Name | FIDELITY DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | GAITHERSBURG, MD 20878 |
| Amount | Amount Recorded |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Dec 15, 2017 |
| Property Address | 409 FIFTH ST, ANNAPOLIS, MD 21403-2514 |
| Document Number | 0316690265 |
| Book / Page | 031669 / 000265 |
| Instrument Date | Nov 20, 2017 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 20, 2018 |
| Title Company | EASTERN TITLE AND SETTLEMENT |
| Name | Verified Name |
|---|---|
| Address | 409 FIFTH ST ANNAPOLIS MD 214032514, ANNAPOLIS, MD 21403-2514 |
| Document Number | 316690265 |
|---|---|
| Date | Dec 15, 2017 |
| Book Page | 031669/000265 |
| Name | FIDELITY DIRECT MTG |
|---|---|
| Type | Mortgage Company |
| Address | GAITHERSBURG, MD 20878 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Dec 14, 2018 |
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Municipality | Annapolis City |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,493,900 (+12.75%) Land $689,600 Building $804,300 | $1,493,900 (-) Land $689,600 Building $804,300 | |
| 2025 | $13,340.00 (+7.8%) Homeowner's exemption | $1,325,000 (+34.22%) | $1,493,900 (+51.33%) Land $689,600 Building $804,300 |
| 2024 | $12,375.00 (+7.9%) | ||
| 2023 | $11,469.00 Homeowner's exemption | $987,200 Land $507,600 Building $479,600 | $987,200 Land $507,600 Building $479,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 107 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 198 units insured incl. 91 condo units |
| Nearby Flood Claims | 70 (1985–2026) |
| Claims Outside the SFHA | 19 of 70 |
| Most Recent Claim | Mar 2026 · rainfall accumulation |
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 287 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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