520 Harbor Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 520 Harbor Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,500 sqft · built 1968
Lot Size	0.237 acres (10,312 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Jun 2026)
Tax Bill	$5,627 (2025)
Deeds & Mortgages	Jun 2026 Sale & Construction Loan Apr 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-412-02469021`

Property Details

APN / Parcel Number

Primary APN	`02-412-02469021`
Alternative APNs	`2-412-02469021` `41202469021`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	300 sqft
Finished Basement	300 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,312 sqft (0.237 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	74 sqft
Deck Area	366 sqft
Patio Area	299 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal

Location & Zoning

Account Number	41202469021
Street Address	520 HARBOR DR
City	ANNAPOLIS
State	MD
Zip	21403-3757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 5 BK N SC 3 PL 1 HILLSMERE ESTATES
Legal Subdivision	HILLSMERE ESTATES
Legal Block	N
Legal Lot Number	5
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	3
Census Block	3026
Census Tract	702601

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	520 HARBOR DR, ANNAPOLIS, MD 21403-3757
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed, Construction Loan · Construction Mortgage FITZGERALD MORTGAGE
Apr 24, 2024	Deed, Transfer EAGLE TITLE
Oct 8, 2020	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Aug 9, 2019	Deed of Trust, Mortgage · VA Mortgage INTERCONTINENTAL CAP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2026 · Amount on Record
Deed Sale	Jun 15, 2026 · Amount on Record
Prior Sale	Feb 28, 2025 · Amount on Record
Deed Book / Page	42448 / 224
Record Updated	Oct 29, 2026

June 2026: Deed, Construction Loan

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 15, 2026
Property Address	520 HARBOR DR, ANNAPOLIS, MD 21403-3757
Document Number	4244000224
Book / Page	42448 / 224
Instrument Date	Jun 12, 2026
Transaction Type	Construction Loan
Record Updated	Sep 11, 2026
Title Company	EAGLE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$808,000.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	520 HARBOR DR, ANNAPOLIS, MD 21403-3757

Mortgage

Document Number	4244000231,
Date	Jun 15, 2026
Book Page	42448/231

Lender

Name	FITZGERALD MORTGAGE
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Dec 12, 2026

Interest

Rate	6%
Max Rate	-1%

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 24, 2024
Property Address	520 HARBOR DR, ANNAPOLIS, MD 21403-3757
Document Number	0403820236
Book / Page	40382 / 236
Map Reference	MB 25 PG 7
Instrument Date	Apr 19, 2024
Transaction Type	Transfer
Record Updated	May 10, 2024
Title Company	EAGLE TITLE

Transaction

Amount	Amount Recorded
Tax	$2,475.00
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	7865 QUARTERFIELD RD, SEVERN, MD 21144-1305

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	520 HARBOR DR, ANNAPOLIS, MD 21403-3757
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BCHH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 HARBOR DR, ANNAPOLIS, MD 21403-3757

Mortgage

Document Number	0353700424
Date	Oct 8, 2020
Book Page	35370/424

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	520 HARBOR DR, ANNAPOLIS, MD 21403-3757
Document Number	0334980300
Instrument Date	Aug 9, 2019
Transaction Type	Mortgage
Record Updated	Sep 12, 2019
Title Company	EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	520 HARBOR DR ANNAPOLIS MD 214033757, ANNAPOLIS, MD 21403-3757

Mortgage

Document Number	0334980300
Date	Aug 26, 2019
Book Page	033498/000300

Lender

Name	INTERCONTINENTAL CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2049

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		$465,400 (+5.18%) Land $272,000 Building $193,400	$465,400 (-) Land $272,000 Building $193,400
2025	$5,627.00 (+5.28%)	$442,467 (+11.57%)	$465,400 (+17.35%) Land $272,000 Building $193,400
2024	$5,345.00 (+103.85%)
2023	$2,622.00 Homeowner's exemption	$396,600 Land $272,000 Building $124,600	$396,600 Land $272,000 Building $124,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 62 policies
Nearby Flood Policies	62 in force
Nearby Flood Claims	6 (1999–2018)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Feb 2018 · other causes
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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 233 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

5G and 4G LTE (outdoors only)

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