48 Lawrence Ave, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 48 Lawrence Ave, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,909 sqft · built 1980
Lot Size	0.448 acres (19,495 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Jan 2013)
Tax Bill	$11,547 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-047-05096800`

Property Details

APN / Parcel Number

Primary APN	`02-047-05096800`
Alternative APNs	`204705096800` `04705096800`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,909 sqft Living Area
Gross Area	3,125 sqft
1st Floor Area	1,229 sqft
Basement Area	560 sqft
Finished Basement	560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	19,495 sqft (0.448 acres)
Garage Type	Basement
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	424 sqft
Deck Area	256 sqft
Patio Area	290 sqft
Shed	1 Shed
Shed Area	143 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	04705096800
Street Address	48 LAWRENCE AVE
City	ANNAPOLIS
State	MD
Zip	21403-4419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 24 SC 8 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	24
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4002
Census Tract	702602

Owner

48 Lawrence Ave is owned and occupied by two individuals who bought it in January 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	48 LAWRENCE AVE, ANNAPOLIS, MD 21403-4419
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Jan 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARUNDEL FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2013 · Amount on File
Deed Sale	Jan 10, 2013 · Amount on File
Prior Sale	Oct 17, 2007 · Amount on File
Deed Book / Page	25602 / 214
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	48 LAWRENCE AVE, ANNAPOLIS, MD 21403-4419
Transaction Type	Mortgage
Record Updated	Feb 10, 2022
Title Company	ENDEAVOR TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0382980438
Date	Jan 31, 2022
Book Page	38298/438

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	48 LAWRENCE AVE, ANNAPOLIS, MD 21403-4419
Transaction Type	Mortgage
Record Updated	Nov 1, 2021
Title Company	ENDEAVOR TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0377180429
Date	Oct 15, 2021
Book Page	37718/429

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	48 LAWRENCE AVE, ANNAPOLIS, MD 21403-4419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RAILWAY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0304990001
Date	Jan 5, 2017
Book Page	30499/001
Instrument	30499-001

Lender

Name	US BANK NA
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	48 LAWRENCE AVE, ANNAPOLIS, MD 21403-4419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0353390448
Date	Oct 5, 2020
Book Page	35339/448

Lender

Name	ARUNDEL FEDERAL SAVINGS BANK
Type	Bank
Address	GLEN BURNIE, MD 21061

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 48 Lawrence Ave was $11,547 with a homeowner's exemption.

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		$1,274,800 Land $901,000 Building $373,800	$1,274,800 Land $901,000 Building $373,800
2025	$11,547.00
2023	$9,418.00 Homeowner's exemption	$955,000 Land $675,200 Building $279,800	$955,000 Land $675,200 Building $279,800

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

Flood

FEMA maps place 48 Lawrence Ave in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 48 Lawrence Ave is low, with less than 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 94% of the US · lower than 87% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 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

5G (outdoors only) and 4G LTE

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