545 Beach Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 545 Beach Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,006 sqft · built 1956
Lot Size	0.28 acres (12,187 sqft)
Owner	2 Individual Names on Record
Last Sale	$557,500 (Sep 2009)
Tax Bill	$9,360 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-412-10740800`

Property Details

APN / Parcel Number

Primary APN	`02-412-10740800`
Alternative APNs	`2-412-10740800` `41210740800`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,006 sqft Living Area
Gross Area	3,380 sqft
1st Floor Area	1,401 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	12,187 sqft (0.28 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	374 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	192 sqft
Deck Area	147 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	41210740800
Street Address	545 BEACH DR
City	ANNAPOLIS
State	MD
Zip	21403-4041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 7 BK E SC 2 PL 1 HILLSMERE ESTATES
Legal Subdivision	HILLSMERE ESTATES
Legal Block	E
Legal Lot Number	7
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1006
Census Tract	702601

Owner

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

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	545 BEACH DR, ANNAPOLIS, MD 21403-4041
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC
May 4, 2022	Deed of Trust, Mortgage · Line of Credit SHORE UNITED BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2009 · Amount on Record
Deed Sale	Sep 21, 2009 · Amount on Record
Prior Sale	Aug 3, 2004 · Amount on Record
Deed Document Number	20096882
Deed Book / Page	21521 / 248
Last Transfer Date	Nov 24, 2014
Transfer Doc	0279940112
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	545 BEACH DR, ANNAPOLIS, MD 21403-4041
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 BEACH DR, ANNAPOLIS, MD 21403-4041

Mortgage

Document Number	0356300004
Date	Nov 18, 2020
Book Page	35630/4

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	545 BEACH DR, ANNAPOLIS, MD 21403-4041
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0386840268
Date	May 4, 2022
Book Page	38684/268

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

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		$1,021,000 (+7.09%) Land $672,200 Building $348,800	$1,021,000 (-) Land $672,200 Building $348,800
2025	$9,360.00 (+2.59%) Homeowner's exemption	$953,367 (+16.53%)	$1,021,000 (+24.8%) Land $672,200 Building $348,800
2024	$9,124.00 (+12.23%)
2023	$8,130.00 Homeowner's exemption	$818,100 Land $579,400 Building $238,700	$818,100 Land $579,400 Building $238,700

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 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	7 (1979–2014)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Aug 2014 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 3 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	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 345 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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