Anne Arundel County property record for 45 Southgate Ave, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,040 sqft · built 1925 |
| Lot Size | 0.117 acres (5,080 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,300,000 (Dec 2021) |
| Tax Bill | $13,860 (2024) |
| Deeds & Mortgages | Oct 2020 Mortgage Dec 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-00771825 |
| Primary APN | 06-000-00771825 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 3,040 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 640 sqft |
| Finished Basement | 640 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 5,080 sqft (0.117 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 189 sqft |
| Deck Area | 288 sqft |
| Patio Area | 372 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00000771825 |
|---|---|
| Street Address | 45 SOUTHGATE AVE |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-2828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LTS 5 6 ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 706500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Colonial Annapolis Historic District (Boundary Increase) listed 1984 · 1,197 contributing resources · NRIS 84003875 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Anne Arundel County assessment roll, as of August 13, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 SOUTHGATE AVE, ANNAPOLIS, MD 21401-2828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Dec 28, 2021 | Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Jun 11, 2018 | Deed, Transfer · ARM SUNTRUST MORTGAGE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 28, 2021 · Amount on Record |
| Deed Sale | Dec 28, 2021 · Amount on Record |
| Prior Sale | Jun 11, 2018 · Amount on Record |
| Deed Book / Page | 38138 / 227 |
| Prior Transfer Date | Jun 13, 2012 |
| Prior Transfer Doc | 0247990261 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 45 SOUTHGATE AVE, ANNAPOLIS, MD 21401-2828 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | ASPEN RE SETMNTS INC |
| Name | Verified Name |
|---|---|
| Address | 45 SOUTHGATE AVE, ANNAPOLIS, MD 21401-2828 |
| Document Number | 0354290199 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 35429/199 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.97% |
| Type Change Date | Oct 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.97% |
| Index | 1-Year LIBOR |
| Max Rate | 7.97% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Dec 28, 2021 |
| Property Address | 45 SOUTHGATE AVE, ANNAPOLIS, MD 21401-2828 |
| Document Number | 0381380227 |
| Book / Page | 38138 / 227 |
| Map Reference | MB GW 1 FO 17 |
| Instrument Date | Dec 21, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | BAY TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 45 SOUTHGATE AVE, ANNAPOLIS, MD 21401-2828 |
| Document Number | 0038138236 |
|---|---|
| Date | Dec 28, 2021 |
| Instrument | 38138/236 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jun 11, 2018 |
| Property Address | 45 SOUTHGATE AVE, ANNAPOLIS, MD 21401-2828 |
| Document Number | 0321910194 |
| Book / Page | 32191 / 194 |
| Map Reference | MB GW1 FO17 |
| Instrument Date | May 31, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | EAGLE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $12,225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 45 SOUTHGATE AVE, ANNAPOLIS, MD 21401-2828 |
| Document Number | 0032191201 |
|---|---|
| Date | Jun 11, 2018 |
| Instrument | 32191/201 |
| Name | SUNTRUST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.67% |
| Type Change Date | Jun 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.67% |
| Index | 1-Year LIBOR |
| Max Rate | 8.67% |
Source: Anne Arundel County assessment roll, as of August 13, 2025
| 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 |
|---|---|---|---|
| 2025 | $1,216,967 (+34.66%) | $1,373,600 (+52%) Land $842,800 Building $530,800 | |
| 2024 | $13,860.00 (+6.8%) | ||
| 2023 | $12,977.00 | $903,700 Land $759,700 Building $144,000 | $903,700 Land $759,700 Building $144,000 |
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 |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 12 in force |
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 | Not rated no burnable land within ember reach |
|---|
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 880 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 USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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