45 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 45 E Lake Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,043 sqft · built 1967
Lot Size	0.31 acres (13,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Mar 2026)
Tax Bill	$12,278 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-047-11699800`

Property Details

APN / Parcel Number

Primary APN	`02-047-11699800`
Alternative APNs	`2-047-11699800` `04711699800`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,043 sqft Living Area
Gross Area	2,480 sqft
1st Floor Area	2,043 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	13,500 sqft (0.31 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	451 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	04711699800
Street Address	45 E LAKE DR
City	ANNAPOLIS
State	MD
Zip	21403-4445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LTS 35 36 SC 4 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	35
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4007
Census Tract	702602

Owner

Source: Anne Arundel County records, as of October 1, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	7759 WATER ST, FULTON, MD 20759-2557
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage SHORE UNITED BANK
Mar 11, 2026	Deed, Transfer ACCOMODATION, ACCOMMODATION
Oct 26, 2021	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2026 · Amount on Record
Deed Sale	Mar 11, 2026 · Amount on Record
Prior Sale	Feb 3, 2025 · Amount on Record
Deed Book / Page	42154 / 1
Transfer Doc	0000013863
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jul 15, 2026
Property Address	45 E LAKE DR, ANNAPOLIS, MD 21403-4445
Document Number	4253000338
Book / Page	42534 / 338
Instrument Date	Jul 13, 2026
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	TITLE SERVICES, FREESTATE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	7759 WATER ST, FULTON, MD 20759-2557

Mortgage

Document Number	4253000338,
Date	Jul 15, 2026
Book Page	42534/338

Lender

Name	SHORE UNITED BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 11, 2026
Property Address	45 E LAKE DR, ANNAPOLIS, MD 21403-4445
Document Number	0421540001
Book / Page	42154 / 1
Map Reference	MB 3 PG 44
Instrument Date	Mar 3, 2026
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$5,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7759 WATER ST, FULTON, MD 20759-2557

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	45 E LAKE DR, ANNAPOLIS, MD 21403-4445
Transaction Type	Mortgage
Record Updated	Nov 16, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 E LAKE DR, ANNAPOLIS, MD 21403-4445

Mortgage

Document Number	0377820064
Date	Oct 26, 2021
Book Page	37782/64

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	858 Months
Due	Apr 16, 2093

Interest

Rate Type	Adjustable Rate
Rate	2.82%
Type Change Date	Oct 1, 2021
Change Frequency	Monthly
Index	1-Year CMT

Tax Assessment & Valuation

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		$1,065,400 (+8.25%) Land $842,600 Building $222,800	$1,065,400 (-) Land $842,600 Building $222,800
2025	$12,278.00 (+65.34%)	$984,233 (+19.75%)	$1,065,400 (+29.63%) Land $842,600 Building $222,800
2024	$7,426.00 (+30.26%)
2023	$5,701.00 Homeowner's exemption	$821,900 Land $642,200 Building $179,700	$821,900 Land $642,200 Building $179,700

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

Flood

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 Record median of 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	7 (2003–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on E Lake Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures