428 Forest Beach Rd, Annapolis, MD 21409 Property Records

Anne Arundel County property record for 428 Forest Beach Rd, Annapolis, MD 21409

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,488 sqft · built 2002
Lot Size	1.3 acres (56,628 sqft)
Owner	Trust Name on File
Last Sale	$263,000 (Mar 2002)
Tax Bill	$11,535 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-000-15136770`

Property Details

APN / Parcel Number

Primary APN	`03-000-15136770`
Alternative APNs	`3-000-15136770` `00015136770`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	3,488 sqft Living Area
Gross Area	4,544 sqft
1st Floor Area	1,504 sqft
Basement Area	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	56,628 sqft
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,056 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	608 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	00015136770
Street Address	428 FOREST BEACH RD
City	ANNAPOLIS
State	MD
Zip	21409-5912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1.302 ACRES HORN PROPERTY
Legal Subdivision	HORN PROPERTY
Legal Block	2
Legal Lot Number	3
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	2
Census Block	2003
Census Tract	730901

Owner

428 Forest Beach Rd is owner-occupied and held in a trust since March 2013.

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	Trust Name on File
Mailing Address	428 FOREST BEACH RD, ANNAPOLIS, MD 21409-5912
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2002 · Amount on File
Deed Sale	Mar 7, 2002 · Amount on File
Prior Sale	Oct 25, 1999 · Amount on File
Deed Document Number	20023206
Deed Book / Page	11279 / 319
Last Transfer Date	Mar 14, 2013
Transfer Doc	0259000006
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	428 FOREST BEACH RD, ANNAPOLIS, MD 21409-5912
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	TITLE EXCELLENCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0360970076
Date	Feb 6, 2021
Book Page	36097/76

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 428 Forest Beach Rd was $11,535 with a homeowner's exemption, up 2.6% 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		$1,660,800 (+12.98%)	$1,851,600 (-) Land $1,141,000 Building $710,600
2025	$11,535.00 (+2.62%) Homeowner's exemption	$1,470,000	$1,851,600 Land $1,141,000 Building $710,600
2024	$11,241.00 (+7.15%)
2023	$10,491.00 Homeowner's exemption	$1,245,900	$1,279,200 Land $753,000 Building $526,200

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

Flood

FEMA maps place 428 Forest Beach Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft
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	2 (2003)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2003 · 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.

Wildfire

Wildfire risk around 428 Forest Beach Rd 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 94% of the US · lower than 87% of Maryland
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GLEN BURNIE-BROADNECK serves 290,606 people · EPA ID MD0020017
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2016–2018) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Forest Beach Rd

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