645 Bywater Rd, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 645 Bywater Rd, Annapolis, MD 21401

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,136 sqft · built 1970
Lot Size	0.024 acres (1,040 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Feb 2023)
Tax Bill	$3,783 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-287-00208608`

Property Details

APN / Parcel Number

Primary APN	`06-287-00208608`
Alternative APNs	`6-287-00208608` `28700208608`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,136 sqft Living Area
1st Floor Area	568 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	1,040 sqft (0.024 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	28700208608
Street Address	645 BYWATER RD
City	ANNAPOLIS
State	MD
Zip	21401-4402
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	UNIT 645 GREENBRIAR
Legal Subdivision	GREENBRIAR
Legal Block	2
Legal Lot Number	645
Legal Unit	645
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2002
Census Tract	702500

Owner

645 Bywater Rd, a townhouse, is owned and occupied by an individual who bought it in February 2023.

Source: Anne Arundel County records, as of October 1, 2026

Owner of Record	Individual Name on File
Mailing Address	645 BYWATER RD, ANNAPOLIS, MD 21401-4402
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2023	Deed, Transfer · Conventional Mortgage COASTAL LENDING GROUP LLC
Nov 1, 2022	Deed, Transfer · Stand-Alone First Mortgage WCP FUND I LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2023 · Amount on File
Deed Sale	Feb 28, 2023 · Amount on File
Prior Sale	Nov 1, 2022 · Amount on File
Deed Book / Page	39483 / 195
Prior Transfer Date	Nov 18, 2015
Prior Transfer Doc	0292770301
Record Updated	Oct 29, 2026

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Feb 28, 2023
Property Address	645 BYWATER RD, ANNAPOLIS, MD 21401-4402
Document Number	0394830195
Book / Page	39483 / 195
Map Reference	MB 44 PL 20
Instrument Date	Feb 24, 2023
Transaction Type	Transfer
Record Updated	Mar 21, 2023
Title Company	R AND P SETTLEMENT GROUP LLC, R & P SETTLEMENT GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$637.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 BYWATER RD, ANNAPOLIS, MD 21401-4402

Mortgage

Document Number	0039483202
Date	Feb 28, 2023
Instrument	39483/202

Lender

Name	COASTAL LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Nov 1, 2022
Property Address	645 BYWATER RD, ANNAPOLIS, MD 21401-4402
Document Number	0392450492
Book / Page	39245 / 492
Map Reference	MB 44 PL 20
Instrument Date	Sep 8, 2022
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	DISTRICT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
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 Severalty
Address	9778 JUNE FLOWERS WAY, LAUREL, MD 20723-5618

Mortgage

Document Number	0392450503
Date	Nov 1, 2022
Book Page	39245/503

Lender

Name	WCP FUND I LLC
Type	Non-Lending Institution
Address	FALLS CHURCH, VA 22043

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 645 Bywater Rd was $3,783, down 11.4% from the year before.

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Anne Arundel County
Municipality	Annapolis City
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$233,000 (+9%) Land $80,000 Building $153,000	$233,000 (-) Land $80,000 Building $153,000
2025	$3,783.00 (-11.45%)	$213,767	$233,000 Land $80,000 Building $153,000
2024	$4,272.00 (+69.73%)
2023	$2,517.00	$175,300 Land $80,000 Building $95,300	$175,300 Land $80,000 Building $95,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 645 Bywater Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 16, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 645 Bywater Rd is low, with a 0.01% annual chance of 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

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 446 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

May also be available: T-Mobile.

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