522 Harbor Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 522 Harbor Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 3,252 sqft · built 1964
Lot Size	0.517 acres (22,500 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,297 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-412-01097850`

Property Details

APN / Parcel Number

Primary APN	`02-412-01097850`
Alternative APNs	`2-412-01097850` `41201097850`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,252 sqft Living Area
Gross Area	5,060 sqft
1st Floor Area	1,836 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	22,500 sqft (0.517 acres)
Garage Type	Attached
Garage Area	1,680 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Enclosed Breezeway
Porch Area	240 sqft
Deck Area	50 sqft
Breezeway	Breezeway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	41201097850
Street Address	522 HARBOR DR
City	ANNAPOLIS
State	MD
Zip	21403-3757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LTS 6 7 BK N SC 3 PL 1 522 HARBOR DR HILLSMERE ESTATES
Legal Subdivision	HILLSMERE ESTATES
Legal Block	N
Legal Lot Number	6
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	2 Individual Names on Record
Mailing Address	522 HARBOR DR, ANNAPOLIS, MD 21403-3757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 1998
Deed Sale	Sep 29, 1998
Deed Document Number	199812098
Deed Book / Page	8710 / 561
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	522 HARBOR DR, ANNAPOLIS, MD 21403-3757
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 HARBOR DR, ANNAPOLIS, MD 21403-3757

Mortgage

Document Number	0358060451
Date	Dec 16, 2020
Book Page	35806/451

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

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		$900,300 (+8.8%) Land $500,700 Building $399,600	$900,300 (-) Land $500,700 Building $399,600
2025	$6,297.00 (+2.29%) Homeowner's exemption	$827,500 (+21.35%)	$900,300 (+32.03%) Land $500,700 Building $399,600
2024	$6,156.00 (+16.48%)
2023	$5,285.00 Homeowner's exemption	$681,900 Land $500,700 Building $181,200	$681,900 Land $500,700 Building $181,200

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 AE, within 500 ft
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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