Anne Arundel County property record for 539 Coover Rd, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,548 sqft · built 2001 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $454,055 (Dec 2001) |
| Tax Bill | $7,209 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Mar 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-810-90101517 |
| Primary APN | 02-810-90101517 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,548 sqft Living Area |
| Gross Area | 3,808 sqft |
| 1st Floor Area | 1,814 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 254 sqft |
| Patio Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 81090101517 |
|---|---|
| Street Address | 539 COOVER RD |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-6973 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 14 THE OVERLOOK AT BROAD CR |
| Legal Subdivision | THE OVERLOOK AT BROAD CR |
| Legal Block | 3 |
| Legal Lot Number | 14 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 751600 |
539 Coover Rd is owned and occupied by two individuals who bought it in December 2001.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 539 COOVER RD, ANNAPOLIS, MD 21401-6973 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WRIGHT PATMAN CONGRESSIONAL FCU |
| Mar 15, 2018 | Deed of Trust, Mortgage · ARM WRIGHT PATMAN CONGRESSIONAL FCU |
| Jul 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WRIGHT PATMAN CONGRESSIONAL FC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2001 · Amount on File |
| Deed Sale | Dec 18, 2001 · Amount on File |
| Deed Document Number | 20018168 |
| Deed Book / Page | 11044 / 360 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 539 COOVER RD, ANNAPOLIS, MD 21401-6973 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 539 COOVER RD, ANNAPOLIS, MD 21401-6973 |
| Document Number | 0359020341 |
|---|---|
| Date | Jan 8, 2021 |
| Book Page | 35902/341 |
| Name | WRIGHT PATMAN CONGRESSIONAL FCU |
|---|---|
| Type | Credit Union |
| Address | OAKTON, VA 22124 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 354 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 539 COOVER RD, ANNAPOLIS, MD 21401-6973 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0319220238 |
|---|---|
| Date | Mar 15, 2018 |
| Book Page | 31922/238 |
| Name | WRIGHT PATMAN CONGRESSIONAL FCU |
|---|---|
| Type | Credit Union |
| Address | OAKTON, VA 22124 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Apr 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.25% |
| Index | 5-Year CMT |
| Max Rate | 9.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 539 COOVER RD, ANNAPOLIS, MD 21401-6973 |
| Document Number | 0323430453 |
| Instrument Date | Jul 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 539 COOVER RD ANNAPOLIS MD 214016973, ANNAPOLIS, MD 21401-6973 |
| Document Number | 0323430453 |
|---|---|
| Date | Jul 30, 2018 |
| Book Page | 032343/000453 |
| Name | WRIGHT PATMAN CONGRESSIONAL FC |
|---|---|
| Address | OAKTON, VA 22124 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 29, 2028 |
The 2025 property tax bill for 539 Coover Rd was $7,209 with a homeowner's exemption.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $680,800 Land $188,500 Building $492,300 | $680,800 Land $188,500 Building $492,300 | |
| 2025 | $7,209.00 | ||
| 2023 | $6,415.00 Homeowner's exemption | $605,300 Land $188,500 Building $416,800 | $605,300 Land $188,500 Building $416,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 539 Coover Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.
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 risk around 539 Coover Rd is low, with a 0.01% annual chance of 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.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures