523 First St, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 523 First St, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,494 sqft · built 1947
Lot Size	0.152 acres (6,625 sqft)
Owner	Individual Name on Record
Last Sale	$849,000 (Sep 2017)
Tax Bill	$15,056 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000-90039389`

Property Details

APN / Parcel Number

Primary APN	`06-000-90039389`
Alternative APNs	`600090039389` `00090039389`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,494 sqft Living Area
Gross Area	3,222 sqft
1st Floor Area	1,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,625 sqft (0.152 acres)
Garage Area	165 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	36 sqft
Deck Area	195 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00090039389
Street Address	523 FIRST ST
City	ANNAPOLIS
State	MD
Zip	21403-3319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 10 PL A EASTPORT
Legal Subdivision	EASTPORT
Legal Block	3
Legal Lot Number	10
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 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	523 FIRST ST, ANNAPOLIS, MD 21403-3319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER
Sep 26, 2017	Grant Deed, Transfer · Conventional Mortgage PROSPERITY HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2017 · Amount on Record
Deed Sale	Sep 26, 2017 · Amount on Record
Prior Sale	Mar 31, 2015 · Amount on Record
Deed Document Number	201731389-287
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	523 FIRST ST, ANNAPOLIS, MD 21403-3319
Document Number	0341670232
Instrument Date	Jan 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 FIRST ST ANNAPOLIS MD 214033319, ANNAPOLIS, MD 21403-3319

Mortgage

Document Number	0341670232
Date	Feb 6, 2020
Book Page	034167/000232

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Sep 26, 2017
Property Address	523 FIRST ST, ANNAPOLIS, MD 21403-3319
Document Number	0313890287
Book / Page	031389 / 000287
Instrument Date	Sep 15, 2017
Transaction Type	Transfer
Record Updated	Nov 22, 2017
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$849.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 FIRST ST ANNAPOLIS MD 214033319, ANNAPOLIS, MD 21403-3319

Mortgage

Document Number	313890295
Date	Sep 26, 2017
Book Page	031389/000295

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2047

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		$1,302,700 (+47.78%) Land $702,300 Building $600,400	$1,302,700 (+47.78%) Land $702,300 Building $600,400
2025	$15,056.00 (+18.94%)
2023	$12,658.00 Homeowner's exemption	$881,500 Land $517,700 Building $363,800	$881,500 Land $517,700 Building $363,800

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
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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