Anne Arundel County property record for 409 Riding Ridge Rd, Annapolis, MD 21403
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,450 sqft · built 1990 |
| Lot Size | 0.27 acres (11,769 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $570,000 (Oct 2019) |
| Tax Bill | $8,826 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-405-90060161 |
| Primary APN | 06-405-90060161 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,450 sqft Living Area |
| Gross Area | 3,882 sqft |
| 1st Floor Area | 1,252 sqft |
| Basement Area | 1,100 sqft |
| Finished Basement | 1,100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Siding Sheathing |
| Roof Material | Wood Shingle |
| Lot Area | 11,769 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 90 sqft |
| Deck Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 40590060161 |
|---|---|
| Street Address | 409 RIDING RIDGE RD |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21403-1670 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 256 SC 4B & 5A HUNT MEADOW P U D |
| Legal Subdivision | HUNT MEADOW P U D |
| Legal Block | 2 |
| Legal Lot Number | 256 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 702601 |
Source: Anne Arundel County records, as of October 19, 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 Record |
|---|---|
| Mailing Address | 409 RIDING RIDGE RD, ANNAPOLIS, MD 21403-1670 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Oct 20, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Mar 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Oct 21, 2020 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Oct 25, 2019 | Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2019 · Amount on Record |
| Deed Sale | Oct 25, 2019 · Amount on Record |
| Prior Sale | Mar 6, 1990 · Amount on Record |
| Deed Book / Page | 33754 / 315 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 409 RIDING RIDGE RD, ANNAPOLIS, MD 21403-1670 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 409 RIDING RIDGE RD, ANNAPOLIS, MD 21403-1670 |
| Document Number | 0392170113 |
|---|---|
| Date | Oct 20, 2022 |
| Book Page | 39217/113 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 3, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 409 RIDING RIDGE RD, ANNAPOLIS, MD 21403-1670 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0384700022 |
|---|---|
| Date | Mar 11, 2022 |
| Book Page | 38470/22 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Apr 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.62% |
| Index | Other |
| Max Rate | 8.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 409 RIDING RIDGE RD, ANNAPOLIS, MD 21403-1670 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 409 RIDING RIDGE RD, ANNAPOLIS, MD 21403-1670 |
| Document Number | 0354410123 |
|---|---|
| Date | Oct 21, 2020 |
| Book Page | 35441/123 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Oct 25, 2019 |
| Property Address | 409 RIDING RIDGE RD, ANNAPOLIS, MD 21403-1670 |
| Document Number | 0337540315 |
| Book / Page | 33754 / 315 |
| Map Reference | MB 111 FO 1 |
| Instrument Date | Oct 22, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | LAKESIDE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 409 RIDING RIDGE RD, ANNAPOLIS, MD 21403-1670 |
| Document Number | 33754323 |
|---|---|
| Date | Oct 25, 2019 |
| Instrument | 33754/323 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
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 | $685,800 (+6.18%) Land $252,100 Building $433,700 | $685,800 (-) Land $252,100 Building $433,700 | |
| 2025 | $8,826.00 (+4.52%) Homeowner's exemption | $645,900 (+14.1%) | $685,800 (+21.14%) Land $252,100 Building $433,700 |
| 2024 | $8,444.00 (+5.09%) | ||
| 2023 | $8,035.00 Homeowner's exemption | $566,100 Land $252,100 Building $314,000 | $566,100 Land $252,100 Building $314,000 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 2 (2006–2009) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2009 · rainfall accumulation |
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 | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 310 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 |
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