609 Cutter Pl, Annapolis, MD 21409 Property Records

Anne Arundel County property record for 609 Cutter Pl, Annapolis, MD 21409

Property Summary

Property Type	Exempt (Full or Partial)
Details	5.5 ba · 6,850 sqft · built 2001
Lot Size	0.345 acres (15,013 sqft)
Owner	2 Individual Names on Record
Last Sale	$819,000 (Jun 2020)
Tax Bill	$524 (2025)
Deeds & Mortgages	Mar 2018 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-474-90101705`

Property Details

APN / Parcel Number

Primary APN	`03-474-90101705`
Alternative APNs	`347490101705` `47490101705`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,850 sqft Gross Area
1st Floor Area	2,676 sqft
Basement Area	1,400 sqft
Finished Basement	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,013 sqft (0.345 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	47490101705
Street Address	609 CUTTER PL
City	ANNAPOLIS
State	MD
Zip	21409-3785
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R2
Legal Description	LT 125 ST MARGARETS LANDING
Legal Subdivision	ST MARGARETS LANDING
Legal Block	2
Legal Lot Number	125
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	2
Census Block	2004
Census Tract	730902

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	609 CUTTER PL, ANNAPOLIS, MD 21409-3785
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 29, 2020	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2020 · Amount on Record
Deed Sale	Jun 29, 2020 · Amount on Record
Prior Sale	Mar 1, 2001 · Amount on Record
Deed Book / Page	34819 / 459
Last Transfer Date	Nov 26, 2024
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	609 CUTTER PL, ANNAPOLIS, MD 21409-3785
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0318850069
Date	Mar 1, 2018
Book Page	31885/069

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	609 CUTTER PL, ANNAPOLIS, MD 21409-3785
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0363900401
Date	Mar 22, 2021
Book Page	36390/401

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 29, 2020
Property Address	609 CUTTER PL, ANNAPOLIS, MD 21409-3785
Document Number	0348190459
Book / Page	034819 / 000459
Instrument Date	Mar 21, 2020
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$819.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	210 KNOLLHAVEN TRL O FALLON IL 622697198, O FALLON, IL 62269-7198

Mortgage

Document Number	348190468
Date	Jun 29, 2020
Book Page	034819/000468

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2050

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		$1,036,633 (+27.14%)	$1,128,100 (+32.14%) Land $271,800 Building $856,300
2025	$524.00
2023	Disabled Person's exemption Veteran's exemption	$815,367	$853,700 Land $258,000 Building $595,700

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	7 (1987–2020)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Aug 2020 · rainfall accumulation
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	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GLEN BURNIE-BROADNECK serves 290,606 people · EPA ID MD0020017
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2016–2018) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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