515 First St, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 515 First St, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	1 ba · 820 sqft · built 1950
Lot Size	0.152 acres (6,625 sqft)
Owner	2 Individual Names on Record
Last Sale	$474,000 (Oct 2016)
Tax Bill	$8,343 (2024)
Deeds & Mortgages	May 2022 Transfer Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000-04859400`

Property Details

APN / Parcel Number

Primary APN	`06-000-04859400`
Alternative APNs	`6-000-04859400` `00004859400`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	820 sqft Living Area
Gross Area	1,018 sqft
1st Floor Area	820 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	6,625 sqft (0.152 acres)
Garage Type	Attached
Garage Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00004859400
Street Address	515 FIRST ST
City	ANNAPOLIS
State	MD
Zip	21403-3319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 7 PL A EASTPORT
Legal Subdivision	EASTPORT
Legal Block	3
Legal Lot Number	7
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	3
Census Block	3008
Census Tract	706302

Owner

Source: Anne Arundel County records, as of October 9, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	515 FIRST ST, ANNAPOLIS, MD 21403-3319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2022	Intrafamily Transfer, Transfer
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2016 · Amount on Record
Deed Sale	Oct 31, 2016 · Amount on Record
Prior Sale	Jul 2, 2002 · Amount on Record
Deed Book / Page	30238 / 124
Last Transfer Date	Apr 8, 2022
Transfer Doc	0387280476
Record Updated	Oct 29, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 13, 2022
Property Address	515 FIRST ST, ANNAPOLIS, MD 21403-3319
Document Number	0387280476
Book / Page	38728 / 476
Map Reference	LB FSR 92 FO 24
Instrument Date	Apr 8, 2022
Transaction Type	Transfer
Record Updated	May 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	515 FIRST ST, ANNAPOLIS, MD 21403-3319

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	515 FIRST ST, ANNAPOLIS, MD 21403-3319
Document Number	0355850278
Instrument Date	Oct 27, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	515 ID FIRST ST ANNAPOLIS MD 21403, ANNAPOLIS, MD 21403

Mortgage

Document Number	0355850278
Date	Nov 10, 2020
Book Page	035585/000278

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.25%

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Anne Arundel County
Municipality	Annapolis City
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$698,500 (+9.21%) Land $631,300 Building $67,200	$698,500 (-) Land $631,300 Building $67,200
2025		$639,567 (+22.59%)	$698,500 (+33.89%) Land $631,300 Building $67,200
2024	$8,343.00 (+13.02%)
2023	$7,382.00 Homeowner's exemption	$521,700 Land $446,700 Building $75,000	$521,700 Land $446,700 Building $75,000

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 107 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	198 units insured incl. 91 condo units
Nearby Flood Claims	70 (1985–2026)
Claims Outside the SFHA	19 of 70
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 40 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 347 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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