524 First St, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 524 First St, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,976 sqft · built 1932
Lot Size	0.122 acres (5,330 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (May 2009)
Tax Bill	$11,670 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000-08918075`

Property Details

APN / Parcel Number

Primary APN	`06-000-08918075`
Alternative APNs	`600008918075` `00008918075`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,976 sqft Living Area
Gross Area	2,136 sqft
1st Floor Area	1,300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,330 sqft (0.122 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	156 sqft
Deck Area	160 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00008918075
Street Address	524 FIRST ST
City	ANNAPOLIS
State	MD
Zip	21403-3320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 159 EASTPORT
Legal Subdivision	EASTPORT
Legal Block	3
Legal Lot Number	159
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	3
Census Block	3021
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	2 Individual Names on Record
Mailing Address	524 FIRST ST, ANNAPOLIS, MD 21403-3320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2017	Deed of Trust, Mortgage · Commercial Mortgage SANDY SPRING BANK
Jan 12, 2017	Deed of Trust, Mortgage · Commercial Mortgage SANDY SPRING BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2009 · Amount on Record
Deed Sale	May 26, 2009 · Amount on Record
Deed Document Number	20093532
Deed Book / Page	21059 / 59
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	524 FIRST ST, ANNAPOLIS, MD 21403-3320
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0305330237
Date	Jan 12, 2017
Book Page	30533/237
Instrument	30533-237

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	524 FIRST ST, ANNAPOLIS, MD 21403-3320
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0305330256
Date	Jan 12, 2017
Book Page	30533/256
Instrument	30533-256

Lender

Name	SANDY SPRING BANK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,085,400 (+48.18%) Land $691,300 Building $394,100	$1,085,400 (+48.18%) Land $691,300 Building $394,100
2025	$11,670.00 (+14.15%)
2023	$10,223.00 Homeowner's exemption	$732,500 Land $508,900 Building $223,600	$732,500 Land $508,900 Building $223,600

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	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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