5 Spruce Ln, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 5 Spruce Ln, Annapolis, MD 21401

Property Summary

Property Type	Commercial
Details	1 ba · 936 sqft · built 1940
Lot Size	0.115 acres (5,009 sqft)
Owner	Company Name on Record
Last Sale	$200,000 (Sep 2019)
Tax Bill	$3,452 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-197-01488900`

Property Details

APN / Parcel Number

Primary APN	`02-197-01488900`
Alternative APNs	`2-197-01488900` `19701488900`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Gross Area
1st Floor Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Siding
Lot Area	5,009 sqft (0.115 acres)
View / Lot	Commercial/Industrial

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	19701488900
Street Address	5 SPRUCE LN
City	ANNAPOLIS
State	MD
Zip	21401-7018
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C2
Legal Description	LT 2W J H CRANDALL SUB
Legal Subdivision	J H CRANDALL SUB
Legal Block	1
Legal Lot Number	2W
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1008
Census Tract	702402

Owner

Source: Anne Arundel County records, as of September 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 1466, ANNAPOLIS, MD 21404-1466
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage CAPITAL BANK NA
Sep 12, 2019	Deed, Transfer · Commercial Mortgage REVERE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2019 · Amount on Record
Deed Sale	Sep 12, 2019 · Amount on Record
Deed Book / Page	33570 / 324
Prior Transfer Date	Apr 29, 2014
Prior Transfer Doc	0272810003
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	5 SPRUCE LN, ANNAPOLIS, MD 21401-7018
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	EAGLE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0419640170
Date	Jan 5, 2026
Book Page	41964/170

Lender

Name	CAPITAL BANK NA
Type	Bank
Address	ROCKVILLE, MD 20850

Agreement

Amount	Amount Recorded

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Sep 12, 2019
Property Address	5 SPRUCE LN, ANNAPOLIS, MD 21401-7018
Document Number	0335700324
Book / Page	33570 / 324
Instrument Date	Sep 4, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	EAGLE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
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 in Severalty
Address	PO BOX 1466, ANNAPOLIS, MD 21404-1466

Mortgage

Document Number	0335700329
Date	Sep 12, 2019
Book Page	33570/329

Lender

Name	REVERE BANK
Type	Bank
Address	LAUREL, MD 20707

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$274,300 (+3.34%) Land $186,000 Building $88,300	$274,300 (-) Land $186,000 Building $88,300
2025	$3,452.00 (+3.08%)	$265,433 (+7.16%)	$274,300 (+10.74%) Land $186,000 Building $88,300
2024	$3,349.00 (+23.85%)
2023	$2,704.00	$247,700 Land $186,000 Building $61,700	$247,700 Land $186,000 Building $61,700

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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	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 87 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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