485 Broadwater Rd, Arnold, MD 21012 Property Records

Anne Arundel County property record for 485 Broadwater Rd, Arnold, MD 21012

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,590 sqft · built 1981
Lot Size	0.172 acres (7,472 sqft)
Owner	Individual Name on Record
Last Sale	$120,500 (Mar 1992)
Tax Bill	$4,752 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-115-90004184`

Property Details

APN / Parcel Number

Primary APN	`03-115-90004184`
Alternative APNs	`311590004184` `11590004184`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,590 sqft Living Area
1st Floor Area	1,060 sqft
Basement Area	530 sqft
Finished Basement	530 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,472 sqft (0.172 acres)
View / Lot	Waterfront
Deck Area	136 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11590004184
Street Address	485 BROADWATER RD
City	ARNOLD
State	MD
Zip	21012-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT A BELVEDERE BEACH
Legal Subdivision	BELVEDERE BEACH
Legal Block	2
Legal Lot Number	A
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	2
Census Block	2001
Census Tract	731104

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	Individual Name on Record
Mailing Address	485 BROADWATER RD, ARNOLD, MD 21012-1429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 1992 · Amount on Record
Deed Sale	Mar 30, 1992 · Amount on Record
Deed Book / Page	5574 / 864
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	485 BROADWATER RD, ARNOLD, MD 21012-1429
Document Number	0347210170
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	485B BROADWATER RD ARNOLD MD 210121429, ARNOLD, MD 21012-1429

Mortgage

Document Number	0347210170
Date	Jun 11, 2020
Book Page	034721/000170

Lender

Name	MLEND
Address	MIDDLETOWN, MD 21769

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 10, 2035

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		$405,833 (+14.49%)	$423,400 (+14.22%) Land $225,400 Building $198,000
2025	$4,752.00 (+22.79%)
2023	$3,870.00	$354,467	$370,700 Land $225,400 Building $145,300

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	7 (1979–2003)
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 3 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	Low lower than 97% of the US · lower than 94% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GLEN BURNIE-BROADNECK serves 290,606 people · EPA ID MD0020017
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2016–2018) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 443 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Believe Broadband Fixed Wireless	500 / 100
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20