523 State St, Annapolis, MD 21403 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 ba · 660 sqft · built 1934
Lot Size	0.187 acres (8,140 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Nov 2004)
Tax Bill	$10,299 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000-03763000`

Property Details

APN / Parcel Number

Primary APN	`06-000-03763000`
Alternative APNs	`600003763000` `00003763000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	660 sqft Living Area
1st Floor Area	660 sqft

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,140 sqft (0.187 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	144 sqft
Patio Area	50 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Space Heater
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00003763000
Street Address	523 STATE ST
City	ANNAPOLIS
State	MD
Zip	21403-3238
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 14 EASTPORT
Legal Subdivision	EASTPORT
Legal Block	2
Legal Lot Number	14
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2016
Census Tract	706302

Owner

523 State St is owned and occupied by two individuals who bought it in November 2004.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	523 STATE ST, ANNAPOLIS, MD 21403-3238
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2004 · Amount on File
Deed Sale	Nov 16, 2004 · Amount on File
Deed Document Number	200417903
Deed Book / Page	15593 / 544
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	523 STATE ST, ANNAPOLIS, MD 21403-3238
Transaction Type	Mortgage
Record Updated	Jan 26, 2022
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 STATE ST, ANNAPOLIS, MD 21403-3238

Mortgage

Document Number	0381930001
Date	Jan 11, 2022
Book Page	38193/1

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 523 State St was $10,299.

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		$779,600 Land $715,100 Building $64,500	$779,600 Land $715,100 Building $64,500
2025	$10,299.00
2023	$8,574.00	$597,100 Land $527,900 Building $69,200	$597,100 Land $527,900 Building $69,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 523 State St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 17 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	54 units insured incl. 37 condo units
Nearby Flood Claims	5 (1979–2003)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 4 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

The area around 523 State St has no burnable land within ember reach, so its wildfire risk is not rated.

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 319 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
AT&T Fixed Wireless	100 / 20