498 Ferry Point Rd, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 498 Ferry Point Rd, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 4,588 sqft · built 2005
Lot Size	5.58 acres (243,500 sqft)
Owner	2 Trust Names on File
Last Sale	$1,230,000 (Jan 2020)
Tax Bill	$14,674 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-003-90014828`

Property Details

APN / Parcel Number

Primary APN	`02-003-90014828`
Alternative APNs	`2-003-90014828` `00390014828`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,588 sqft Living Area
Gross Area	4,828 sqft
1st Floor Area	2,307 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	243,500 sqft
View / Lot	Waterfront
Garage Area	1,000 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	500 sqft
Patio Area	1,456 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	00390014828
Street Address	498 FERRY POINT RD
City	ANNAPOLIS
State	MD
Zip	21403-1348
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 17 ARBUTUS BANKS
Legal Subdivision	ARBUTUS BANKS
Legal Block	4
Legal Lot Number	17
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4015
Census Tract	702500

Owner

498 Ferry Point Rd is owner-occupied and held in a trust since February 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	498 FERRY POINT RD, ANNAPOLIS, MD 21403-1348
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Jan 3, 2020	Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2020 · Amount on File
Deed Sale	Jan 3, 2020 · Amount on File
Prior Sale	May 24, 1999 · Amount on File
Deed Book / Page	34032 / 35
Last Transfer Date	Feb 19, 2025
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	498 FERRY POINT RD, ANNAPOLIS, MD 21403-1348
Transaction Type	Mortgage
Record Updated	Mar 29, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 FERRY POINT RD, ANNAPOLIS, MD 21403-1348

Mortgage

Document Number	0395170475
Date	Mar 15, 2023
Book Page	39517/475

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Feb 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	498 FERRY POINT RD, ANNAPOLIS, MD 21403-1348
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	SMART SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0348930114
Date	Jul 14, 2020
Book Page	34893/114

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 12, 2050

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jan 3, 2020
Property Address	498 FERRY POINT RD, ANNAPOLIS, MD 21403-1348
Document Number	0340320035
Book / Page	34032 / 035
Map Reference	MB 11 FO 20
Instrument Date	Dec 27, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	SMART SETTLEMENTS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3211 HENSON AVE, ANNAPOLIS, MD 21403-4622

Mortgage

Document Number	34032040
Date	Jan 3, 2020
Instrument	34032/040

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

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

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		$2,407,400 (+19.78%) Land $549,800 Building $1,857,600	$2,407,400 (-) Land $549,800 Building $1,857,600
2025	$14,674.00 (+2.36%)	$2,009,800 (+65.47%)	$2,407,400 (+98.21%) Land $549,800 Building $1,857,600
2024	$14,335.00 (+8.08%)
2023	$13,263.00 Homeowner's exemption	$1,214,600 Land $469,800 Building $744,800	$1,214,600 Land $469,800 Building $744,800

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

Flood

FEMA maps place 498 Ferry Point Rd 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 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	11 (1996–2013)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Jul 2013 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 6 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 498 Ferry Point Rd is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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