521 First St, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 521 First St, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,442 sqft · built 1983
Lot Size	0.154 acres (6,687 sqft)
Owner	Company Name on File
Last Sale	$935,000 (Nov 2017)
Tax Bill	$11,941 (2024)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-000-90039390`

Property Details

APN / Parcel Number

Primary APN	`06-000-90039390`
Alternative APNs	`6-000-90039390` `00090039390`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,442 sqft Living Area
1st Floor Area	1,644 sqft
Attic	Attic
Attic Area	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,687 sqft (0.154 acres)
Garage Type	Built-in
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	60 sqft
Deck Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00090039390
Street Address	521 FIRST ST
City	ANNAPOLIS
State	MD
Zip	21403-3319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 9 PL A EASTPORT
Legal Subdivision	EASTPORT
Legal Block	3
Legal Lot Number	9
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	3
Census Block	3008
Census Tract	706302

Owner

Source: Anne Arundel County assessment roll, as of August 13, 2025

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

Owner of Record	Company Name on File
Mailing Address	521 FIRST ST, ANNAPOLIS, MD 21403-3319
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage 1ST FINANCIAL INC
Sep 30, 2022	Intrafamily Transfer, Transfer
Nov 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST FIN'L

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 28, 2017 · Amount on Record
Deed Sale	Nov 28, 2017 · Amount on Record
Prior Sale	Jul 13, 2007 · Amount on Record
Deed Document Number	201731606-036
Last Transfer Date	Aug 5, 2022
Transfer Doc	0391640387
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	521 FIRST ST, ANNAPOLIS, MD 21403-3319
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	INTITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 FIRST ST, ANNAPOLIS, MD 21403-3319

Mortgage

Document Number	0352530089
Date	Sep 22, 2020
Book Page	35253/89

Lender

Name	1ST FINANCIAL INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Sep 30, 2022
Property Address	521 FIRST ST, ANNAPOLIS, MD 21403-3319
Document Number	0391640387
Book / Page	39164 / 387
Map Reference	LB FSR 92 FO 24
Instrument Date	Aug 5, 2022
Transaction Type	Transfer
Record Updated	Oct 19, 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 Severalty
Address	521 FIRST ST, ANNAPOLIS, MD 21403-3319

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	521 FIRST ST, ANNAPOLIS, MD 21403-3319
Document Number	0316060041
Book / Page	031606 / 000041
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	521 FIRST ST ANNAPOLIS MD 214033319, ANNAPOLIS, MD 21403-3319

Mortgage

Document Number	0316060041
Date	Nov 28, 2017
Book Page	031606/000041

Lender

Name	FIRST FIN'L
Type	Funding / Finance Company
Address	MILLERSVILLE, MD 21108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2047

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of August 13, 2025

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
2025		$1,051,867 (+35.1%)	$1,188,500 (+52.65%) Land $702,800 Building $485,700
2024	$11,941.00 (+6.81%)
2023	$11,180.00 Homeowner's exemption	$778,600 Land $518,100 Building $260,500	$778,600 Land $518,100 Building $260,500

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.

Nearby Properties on First St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures