Anne Arundel County property record for 54 Franklin St, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,386 sqft · built 1925 |
| Lot Size | 0.103 acres (4,482 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,850,000 (May 2024) |
| Tax Bill | $17,819 (2023) |
| Deeds & Mortgages | Oct 2025 Mortgage Aug 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-005-90220315 |
| Primary APN | 06-005-90220315 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,386 sqft Living Area |
| Gross Area | 2,786 sqft |
| 1st Floor Area | 1,026 sqft |
| Basement Area | 1 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 4,482 sqft (0.103 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 112 sqft |
| Deck Area | 38 sqft |
| Patio Area | 354 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 00590220315 |
|---|---|
| Street Address | 54 FRANKLIN ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-2721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT E ACTONS LANDING |
| Legal Subdivision | ACTONS LANDING |
| Legal Block | 1 |
| Legal Lot Number | E |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 706102 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Colonial Annapolis Historic District listed 1966 · National Historic Landmark (designated 1965) · NRIS 66000383 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
54 Franklin St is owned and occupied by two individuals who bought it in May 2024.
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 Individual Names on File |
|---|---|
| Mailing Address | 54 FRANKLIN ST, ANNAPOLIS, MD 21401-2721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 8, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Aug 7, 2023 | Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Dec 14, 2018 | Deed of Trust, Mortgage · Commercial Mortgage REVERE BANK |
| Nov 20, 2020 | Deed of Trust, Mortgage · SBA Mortgage FULTON BANK NA |
| Jul 2, 2019 | Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2024 · Amount on File |
| Deed Sale | May 16, 2024 · Amount on File |
| Prior Sale | Aug 7, 2023 · Amount on File |
| Deed Book / Page | 40433 / 311 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 54 FRANKLIN ST, ANNAPOLIS, MD 21401-2721 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 54 FRANKLIN ST, ANNAPOLIS, MD 21401-2721 |
| Document Number | 0417180484 |
|---|---|
| Date | Oct 8, 2025 |
| Book Page | 41718/484 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Aug 7, 2023 |
| Property Address | 54 FRANKLIN ST, ANNAPOLIS, MD 21401-2721 |
| Document Number | 0398410432 |
| Book / Page | 39841 / 432 |
| Map Reference | MB 276 PG 33 |
| Instrument Date | Jul 28, 2023 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2023 |
| Title Company | EAGLE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 54 FRANKLIN ST, ANNAPOLIS, MD 21401-2721 |
| Document Number | 0039841439 |
|---|---|
| Date | Aug 7, 2023 |
| Instrument | 39841/439 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.74% |
| Type Change Date | Aug 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.7% |
| Margin | 3 |
| Max Rate | 10.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 54 FRANKLIN ST, ANNAPOLIS, MD 21401-2721 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0327370452 |
|---|---|
| Date | Dec 14, 2018 |
| Book Page | 32737/452 |
| Name | REVERE BANK |
|---|---|
| Type | Bank |
| Address | LAUREL, MD 20707 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 54 FRANKLIN ST, ANNAPOLIS, MD 21401-2721 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 54 FRANKLIN ST, ANNAPOLIS, MD 21401-2721 |
| Document Number | 0356460425 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 35646/425 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | POTTSTOWN, PA 19464 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jul 2, 2019 |
| Property Address | 54 FRANKLIN ST, ANNAPOLIS, MD 21401-2721 |
| Document Number | 0333050492 |
| Book / Page | 33305 / 492 |
| Map Reference | MB 276 PG 33 |
| Instrument Date | Jun 24, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Title Company | LAWYERS ADVANTAGE TTL GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $18,975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 513 FIRST ST, 513, ANNAPOLIS, MD 21403-3319 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 54 FRANKLIN ST, ANNAPOLIS, MD 21401-2721 |
| Document Number | 0033305504 |
|---|---|
| Date | Jul 2, 2019 |
| Instrument | 33305/504 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Municipality | Annapolis City |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,606,800 Land $836,500 Building $770,300 | $1,606,800 Land $836,500 Building $770,300 | |
| 2023 | $17,819.00 (+1.92%) Homeowner's exemption | $1,240,900 (-) Land $753,900 Building $487,000 | $1,240,900 (-) Land $753,900 Building $487,000 |
| 2022 | $17,484.00 Homeowner's exemption | $1,240,900 Land $753,900 Building $487,000 | $1,240,900 Land $753,900 Building $487,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 54 Franklin 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 37 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 43 units insured incl. 6 condo units |
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.
The area around 54 Franklin 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.
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 |
| 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 880 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 |
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