49 Bay Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 49 Bay Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	6 ba · 6,221 sqft · built 2006
Lot Size	0.422 acres (18,400 sqft)
Owner	2 Individual Names on File
Last Sale	$2,880,000 (Mar 2019)
Tax Bill	$26,597 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-047-03390800`

Property Details

APN / Parcel Number

Primary APN	`02-047-03390800`
Alternative APNs	`2-047-03390800` `04703390800`

Interior

Full Baths	6 Baths
Stories	2 Stories
Building Area	6,221 sqft Living Area
Gross Area	6,901 sqft
1st Floor Area	2,284 sqft
Basement Area	1,357 sqft
Finished Basement	1,357 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	18,400 sqft (0.422 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	04703390800
Street Address	49 BAY DR
City	ANNAPOLIS
State	MD
Zip	21403-4512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PT LT 3 SC 19 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	3
Legal Lot Number	3
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	3
Census Block	3001
Census Tract	702602

Owner

49 Bay Dr is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	49 BAY DR, ANNAPOLIS, MD 21403-4512
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Mar 22, 2019	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2019 · Amount on File
Deed Sale	Mar 22, 2019 · Amount on File
Prior Sale	Jun 27, 2012 · Amount on File
Deed Book / Page	32976 / 282
Prior Transfer Date	May 2, 2016
Prior Transfer Doc	0295740090
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	49 BAY DR, ANNAPOLIS, MD 21403-4512
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0385290349
Date	Mar 28, 2022
Book Page	38529/349

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2052

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 22, 2019
Property Address	49 BAY DR, ANNAPOLIS, MD 21403-4512
Document Number	0329760282
Book / Page	32976 / 282
Instrument Date	Mar 20, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	EAGLE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	49 BAY DR, ANNAPOLIS, MD 21403-4512

Mortgage

Document Number	0032976291
Date	Mar 22, 2019
Instrument	32976/291

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 49 Bay Dr was $26,597 with a homeowner's exemption, up 2.8% from the year before.

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		$4,308,200 (+14.64%) Land $2,525,200 Building $1,783,000	$4,308,200 (-) Land $2,525,200 Building $1,783,000
2025	$26,597.00 (+2.81%) Homeowner's exemption	$3,758,033	$4,308,200 Land $2,525,200 Building $1,783,000
2024	$25,871.00 (+11.64%)
2023	$23,173.00 Homeowner's exemption	$2,657,700 Land $1,316,400 Building $1,341,300	$2,657,700 Land $1,316,400 Building $1,341,300

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

Flood

FEMA maps place 49 Bay Dr 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 33 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	7 (1983–2024)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Jan 2024 · river or lake flooding

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 49 Bay Dr 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 99.1% of the US · lower than 98.5% 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.

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

4G LTE (outdoors only), no 5G reported

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