Anne Arundel County property record for 45 Fleet St, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 864 sqft · built 1750 |
| Lot Size | 0.056 acres (2,432 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $810,000 (Aug 2026) |
| Tax Bill | $9,138 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-06760100 |
| Primary APN | 06-000-06760100 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 432 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1750 |
|---|---|
| Effective Year Built | Effective 1750 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 2,432 sqft (0.056 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00006760100 |
|---|---|
| Street Address | 45 FLEET ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-1711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2112 SQ FT RESIDUE L RIDOUT PROPERTY |
| Legal Subdivision | RIDOUT PROPERTY |
| Legal Block | 2 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 706103 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Colonial Annapolis Historic District listed 1966 · National Historic Landmark (designated 1965) · NRIS 66000383 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Anne Arundel County records, as of September 17, 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 | 19095 LOUDOUN ORCHARD RD, LEESBURG, VA 20175-6852 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 24, 2026 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 19, 2021 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2026 · Amount on Record |
| Deed Sale | Aug 24, 2026 · Amount on Record |
| Prior Sale | Jul 19, 2021 · Amount on Record |
| Deed Book / Page | 42647 / 428 |
| Prior Transfer Date | Mar 7, 2014 |
| Prior Transfer Doc | 0271510136 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Aug 24, 2026 |
| Property Address | 45 FLEET ST, ANNAPOLIS, MD 21401-1711 |
| Document Number | 4264000428 |
| Book / Page | 42647 / 428 |
| Instrument Date | Aug 17, 2026 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | CLA TITLE AND ESCROW, CLA TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $818,100.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 19095 LOUDOUN ORCHARD RD, LEESBURG, VA 20175-6852 |
| Document Number | 4264000434, |
|---|---|
| Date | Aug 24, 2026 |
| Book Page | 42647/434 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jul 19, 2021 |
| Property Address | 45 FLEET ST, ANNAPOLIS, MD 21401-1711 |
| Document Number | 0372200375 |
| Book / Page | 37220 / 375 |
| Map Reference | MB 215 FO 49 |
| Instrument Date | Jun 17, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2021 |
| Title Company | ATG TITLE INC, ATG TITLE INC CHESTER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,812.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 FLEET ST, ANNAPOLIS, MD 21401-1711 |
| Document Number | 37220382 |
|---|---|
| Date | Jul 19, 2021 |
| Instrument | 37220/382 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
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 | $695,800 (+9.11%) Land $488,500 Building $207,300 | $695,800 (-) Land $488,500 Building $207,300 | |
| 2025 | $9,138.00 (+9.71%) | $637,733 (+22.26%) | $695,800 (+33.4%) Land $488,500 Building $207,300 |
| 2024 | $8,329.00 (+11.2%) | ||
| 2023 | $7,490.00 | $521,600 Land $458,500 Building $63,100 | $521,600 Land $458,500 Building $63,100 |
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 25 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 5 (2021–2024) |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
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 99.8% of the US · lower than 99.8% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 503 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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