441 Waggamon Cir, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 441 Waggamon Cir, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,684 sqft · built 2019
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Dec 2016)
Tax Bill	$20,539 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-946-09290300`

Property Details

APN / Parcel Number

Primary APN	`02-946-09290300`
Alternative APNs	`2-946-09290300` `94609290300`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,684 sqft Living Area
Gross Area	4,904 sqft
1st Floor Area	2,180 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Tile
Lot Area	23,958 sqft (0.55 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,220 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Breezeway
Porch Area	434 sqft
Deck Area	98 sqft
Breezeway	Breezeway
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	94609290300
Street Address	441 WAGGAMON CIR
City	ANNAPOLIS
State	MD
Zip	21403-1327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.55 ACRE WILD ROSE SHORES
Legal Subdivision	WILD ROSE SHORES
Legal Block	4
Legal Lot Number	26
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4015
Census Tract	702500

Owner

441 Waggamon Cir is owned and occupied by two individuals who bought it in December 2016.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5748 N HERMITAGE AVE, 201, CHICAGO, IL 60660-5779
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE LLC
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2016 · Amount on File
Deed Sale	Dec 8, 2016 · Amount on File
Prior Sale	Feb 23, 2004
Deed Document Number	201630396-229
Deed Book / Page	30396 / 229
Transfer Doc	0144360286
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 14, 2026
Property Address	441 WAGGAMON CIR, ANNAPOLIS, MD 21403-1327
Document Number	4226000268
Book / Page	42260 / 268
Instrument Date	Apr 13, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 WAGGAMON CIR, ANNAPOLIS, MD 21403-1327

Mortgage

Document Number	4226000268,
Date	Apr 14, 2026
Book Page	42260/268

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2056

Interest

Rate	6.11%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	441 WAGGAMON CIR, ANNAPOLIS, MD 21403-1327
Transaction Type	Mortgage
Record Updated	Jan 7, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0381100137
Date	Dec 22, 2021
Book Page	38110/137

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.55%
Type Change Date	Jun 1, 2026
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	3.55%
Index	6-Month CD Rate
Margin	3
Max Rate	6.55%

Tax Assessment & Valuation

The 2025 property tax bill for 441 Waggamon Cir was $20,539 with a homeowner's exemption, up 29.3% 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		$2,005,800 (+9.46%) Land $739,300 Building $1,266,500	$2,005,800 (-) Land $739,300 Building $1,266,500
2025	$20,539.00 (+29.34%) Homeowner's exemption	$1,832,400	$2,005,800 Land $739,300 Building $1,266,500
2024	$15,880.00 (+6.96%)
2023	$14,846.00 Homeowner's exemption	$1,485,600 Land $910,300 Building $575,300	$1,485,600 Land $910,300 Building $575,300

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

Flood

FEMA maps place 441 Waggamon Cir 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 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	11 (1996–2013)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Jul 2013 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 6 claims

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 441 Waggamon Cir 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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