538 Coover Rd, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 538 Coover Rd, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 5,139 sqft · built 2001
Lot Size	0.345 acres (15,013 sqft)
Owner	2 Company Names on Record
Last Sale	$1,100,000 (Jul 2006)
Tax Bill	$9,863 (2025)
Deeds & Mortgages	May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-810-90101534`

Property Details

APN / Parcel Number

Primary APN	`02-810-90101534`
Alternative APNs	`2-810-90101534` `81090101534`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,139 sqft Living Area
Gross Area	5,539 sqft
1st Floor Area	2,821 sqft
Basement Area	794 sqft
Finished Basement	794 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,013 sqft (0.345 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	161 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	81090101534
Street Address	538 COOVER RD
City	ANNAPOLIS
State	MD
Zip	21401-6974
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 31 THE OVERLOOK AT BROAD CR
Legal Subdivision	THE OVERLOOK AT BROAD CR
Legal Block	3
Legal Lot Number	31
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	3
Census Block	3002
Census Tract	751600

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	538 COOVER RD, ANNAPOLIS, MD 21401-6974
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2006 · Amount on Record
Deed Sale	Jul 11, 2006 · Amount on Record
Prior Sale	Nov 14, 2003
Deed Document Number	20069117
Deed Book / Page	18023 / 469
Prior Transfer Date	Apr 10, 2006
Prior Transfer Doc	0176900722
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	538 COOVER RD, ANNAPOLIS, MD 21401-6974
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0320910274
Date	May 9, 2018
Book Page	32091/274

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
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
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$893,000 (+4.13%) Land $199,700 Building $693,300	$893,000 (-) Land $199,700 Building $693,300
2025	$9,863.00 (+3.77%)	$857,600 (+9%)	$893,000 (+13.5%) Land $199,700 Building $693,300
2024	$9,505.00 (+10.64%)
2023	$8,591.00	$786,800 Land $199,700 Building $587,100	$786,800 Land $199,700 Building $587,100

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
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2021 · rainfall accumulation

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	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	BROAD CREEK serves 26,033 people · EPA ID MD0020004
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2017–2019) 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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20