45 Windwhisper Ln, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 45 Windwhisper Ln, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,960 sqft · built 1989
Lot Size	0.126 acres (5,503 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (May 2017)
Tax Bill	$7,790 (2025)
Deeds & Mortgages	May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-268-90036192`

Property Details

APN / Parcel Number

Primary APN	`06-268-90036192`
Alternative APNs	`6-268-90036192` `26890036192`

Interior

Full Baths	3 Baths
Stories	3 Stories
Building Area	2,960 sqft Living Area
1st Floor Area	1,136 sqft
Basement Area	416 sqft
Finished Basement	416 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,503 sqft (0.126 acres)
View / Lot	Waterfront
Deck Area	60 sqft
Patio Area	353 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	26890036192
Street Address	45 WINDWHISPER LN
City	ANNAPOLIS
State	MD
Zip	21403-3474
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 22 PL 3 GEORGETOWN GROVE
Legal Subdivision	GEORGETOWN GROVE
Legal Block	2
Legal Lot Number	22
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2003
Census Tract	706303

Owner

Source: Anne Arundel County records, as of September 4, 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	45 WINDWHISPER LN, ANNAPOLIS, MD 21403-3474
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2017 · Amount on Record
Deed Sale	May 5, 2017 · Amount on Record
Prior Sale	Mar 3, 2005
Deed Document Number	201730904-294
Deed Book / Page	30904 / 294
Prior Transfer Date	Oct 7, 2010
Prior Transfer Doc	0232680088
Record Updated	Oct 29, 2026

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 5, 2017
Property Address	45 WINDWHISPER LN, ANNAPOLIS, MD 21403-3474
Document Number	0309040294
Book / Page	030904 / 000294
Instrument Date	Apr 27, 2017
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 WINDWHISPER LN ANNAPOLIS MD 214033474, ANNAPOLIS, MD 21403-3474

Mortgage

Document Number	309040299
Date	May 5, 2017
Book Page	030904/000299

Lender

Name	PHH HM LNS
Type	Funding / Finance Company
Address	VIENNA, VA 22182

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 4, 2047

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Anne Arundel County
Municipality	Annapolis City
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$571,300 (+3.12%) Land $272,000 Building $299,300	$571,300 (-) Land $272,000 Building $299,300
2025	$7,790.00 (+2.45%) Homeowner's exemption	$554,000 (+6.66%)	$571,300 (+9.99%) Land $272,000 Building $299,300
2024	$7,604.00 (+2.87%)
2023	$7,392.00 Homeowner's exemption	$519,400 Land $240,800 Building $278,600	$519,400 Land $240,800 Building $278,600

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 387 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
AT&T Fixed Wireless	100 / 20