54 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 54 E Lake Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,082 sqft · built 1990
Lot Size	0.236 acres (10,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,100,000 (Apr 2022)
Tax Bill	$19,359 (2024)
Deeds & Mortgages	May 2022 Mortgage Apr 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-047-07587315`

Property Details

APN / Parcel Number

Primary APN	`02-047-07587315`
Alternative APNs	`2-047-07587315` `04707587315`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,082 sqft Living Area
Gross Area	3,500 sqft
1st Floor Area	1,554 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,276 sqft (0.236 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft
Deck Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	04707587315
Street Address	54 E LAKE DR
City	ANNAPOLIS
State	MD
Zip	21403-4413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 46 BK 7 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	46
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4002
Census Tract	702602

Owner

Source: Anne Arundel County records, as of August 13, 2025

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	54 E LAKE DR, ANNAPOLIS, MD 21403-4413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage BNY MELLON NA
Apr 13, 2022	Deed, Transfer ATG TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2022 · Amount on Record
Deed Sale	Apr 13, 2022 · Amount on Record
Prior Sale	Aug 3, 2015 · Amount on Record
Deed Book / Page	38597 / 212
Prior Transfer Date	Nov 9, 2006
Prior Transfer Doc	0184770555
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	54 E LAKE DR, ANNAPOLIS, MD 21403-4413
Transaction Type	Mortgage
Record Updated	Jun 10, 2022
Title Company	ATG TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 E LAKE DR, ANNAPOLIS, MD 21403-4413

Mortgage

Document Number	0387830209
Date	May 27, 2022
Book Page	38783/209

Lender

Name	BNY MELLON NA
Type	Bank
Address	BOSTON, MA 02108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 13, 2022
Property Address	54 E LAKE DR, ANNAPOLIS, MD 21403-4413
Document Number	0385970212
Book / Page	38597 / 212
Map Reference	MB 3 FO 44
Instrument Date	Apr 8, 2022
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	ATG TITLE INC

Transaction

Amount	Amount Recorded
Tax	$31,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	54 E LAKE DR, ANNAPOLIS, MD 21403-4413

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of August 13, 2025

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
2025		$2,484,767 (+52.66%)	$2,913,300 (+78.98%) Land $2,307,800 Building $605,500
2024	$19,359.00 (+13.26%)
2023	$17,092.00	$1,627,700 Land $1,216,800 Building $410,900	$1,627,700 Land $1,216,800 Building $410,900

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	7 (2003–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

4G LTE (outdoors only), no 5G reported

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