54 River Dr, Annapolis, MD 21403 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,250 sqft · built 1940
Lot Size	0.2 acres (8,715 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,775,000 (Oct 2025)
Tax Bill	$19,772 (2025)
Deeds & Mortgages	Oct 2025 Sale Dec 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-047-08033750`

Property Details

APN / Parcel Number

Primary APN	`02-047-08033750`
Alternative APNs	`2-047-08033750` `04708033750`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,250 sqft Living Area
1st Floor Area	1,906 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,715 sqft (0.2 acres)
View / Lot	Waterfront
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	228 sqft
Deck Area	91 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	04708033750
Street Address	54 RIVER DR
City	ANNAPOLIS
State	MD
Zip	21403-4424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 19 SC 4 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	19
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4007
Census Tract	702602

Owner

Source: Anne Arundel County records, as of October 27, 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	123 FAIRGREEN TRCE, NEWNAN, GA 30265-5541
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed, Transfer EAGLE TITLE
Dec 21, 2023	Deed of Trust, Mortgage · Line of Credit SHORE UNITED BANK NA
Nov 17, 2022	Deed, Transfer · Conventional Mortgage SHORE UNITED BANK NA
Jul 1, 2021	Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2025 · Amount on Record
Deed Sale	Oct 16, 2025 · Amount on Record
Prior Sale	Nov 17, 2022 · Amount on Record
Deed Book / Page	41737 / 404
Transfer Doc	0154770623
Record Updated	Jun 8, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 16, 2025
Property Address	54 RIVER DR, ANNAPOLIS, MD 21403-4424
Document Number	0417370404
Book / Page	41737 / 404
Map Reference	MB 3 PG 44
Instrument Date	Oct 7, 2025
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	EAGLE TITLE

Transaction

Amount	Amount Recorded
Tax	$18,875.00
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 in Common
Address	123 FAIRGREEN TRCE, NEWNAN, GA 30265-5541

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	54 RIVER DR, ANNAPOLIS, MD 21403-4424
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	MID-MARYLAND TITLE COMPANY INC, MID MARYLAND TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 RIVER DR, ANNAPOLIS, MD 21403-4424

Mortgage

Document Number	0401360183
Date	Dec 21, 2023
Book Page	40136/183

Lender

Name	SHORE UNITED BANK NA
Type	Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 17, 2022
Property Address	54 RIVER DR, ANNAPOLIS, MD 21403-4424
Document Number	0392800031
Book / Page	39280 / 31
Map Reference	MB 3 PG 44
Instrument Date	Oct 20, 2022
Transaction Type	Transfer
Record Updated	Dec 7, 2022
Title Company	MID-MARYLAND TITLE COMPANY INC, MID MARYLAND TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,500.00
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 RIVER DR, ANNAPOLIS, MD 21403-4424

Mortgage

Document Number	0003928034
Date	Nov 17, 2022
Instrument	39280/34

Lender

Name	SHORE UNITED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	9.5%
Index	1-Year T-Bill
Max Rate	9.5%

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jul 1, 2021
Property Address	54 RIVER DR, ANNAPOLIS, MD 21403-4424
Document Number	0371150401
Book / Page	37115 / 401
Map Reference	MB 3 PG 44
Instrument Date	May 14, 2021
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	717 PRESIDENT ST UNIT 502, 717, BALTIMORE, MD 21202-4558

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	717 PRESIDENT ST UNIT 502, 502, BALTIMORE, MD 21202-4558

Mortgage

Document Number	37115409
Date	Jul 1, 2021
Instrument	37115/409

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jun 1, 2031

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	$19,772.00 (+2.62%) Homeowner's exemption	$2,399,733 (+67.81%)	$2,820,200 (+97.22%) Land $2,266,100 Building $554,100
2024	$19,267.00 (+23.39%)
2023	$15,615.00	$1,430,000 Land $1,197,700 Building $232,300	$1,430,000 Land $1,197,700 Building $232,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 VE, 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 only, no 5G reported

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