Anne Arundel County property record for 646 Owl Ct, Arnold, MD 21012
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,696 sqft · built 1989 |
| Lot Size | 0.366 acres (15,958 sqft) |
| Owner | Individual Name on File |
| Last Sale | $699,000 (Jul 2020) |
| Tax Bill | $6,625 (2023) |
| Deeds & Mortgages | Oct 2025 Mortgage Feb 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-874-90025799 |
| Primary APN | 03-874-90025799 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,696 sqft Total Area |
| 1st Floor Area | 1,769 sqft |
| Basement Area | 450 sqft |
| Finished Basement | 450 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,958 sqft (0.366 acres) |
| Garage Type | Built-in |
| Garage Area | 492 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 42 sqft |
| Deck Area | 189 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 87490025799 |
|---|---|
| Old Parcel Number | 387490025799 |
| Street Address | 646 OWL CT |
| City | ARNOLD |
| State | MD |
| Zip | 21012-1557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 143 PL 1 646 OWL CT ULMSTEAD POINT |
| Legal Subdivision | ULMSTEAD POINT |
| Legal Lot Number | 143 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 731107 |
Source: Anne Arundel County assessment roll, APN 03-874-90025799, as of July 1, 2023 · Last verified September 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 646 OWL CT, ARNOLD, MD 21012-1557 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 17, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Feb 28, 2019 | Deed of Trust, Mortgage · ARM FIRST HOME MORTGAGE CORP |
| Jul 13, 2020 | Special Warranty Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 13, 2020 · Amount on Record |
| Deed Sale | Jul 13, 2020 · Amount on Record |
| Prior Sale | Oct 20, 2003 · Amount on Record |
| Deed Document Number | 0034880116 |
| Deed Book / Page | 34880 / 116 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 646 OWL CT, ARNOLD, MD 21012-1557 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 646 OWL CT, ARNOLD, MD 21012-1557 |
| Document Number | 0417390443 |
|---|---|
| Date | Oct 17, 2025 |
| Book Page | 41739/443 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22031 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 646 OWL CT, ARNOLD, MD 21012-1557 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | AMERICAN LAND TITLE CORP |
| Name | Verified Name |
|---|
| Document Number | 0329100329 |
|---|---|
| Date | Feb 28, 2019 |
| Book Page | 32910/329 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NOTTINGHAM, MD 21236 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | Mar 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.12% |
| Index | 1-Year LIBOR |
| Max Rate | 9.12% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jul 13, 2020 |
| Property Address | 646 OWL CT, ARNOLD, MD 21012-1557 |
| Document Number | 0348800116 |
| Book / Page | 34880 / 116 |
| Map Reference | MB 74 PG 30 |
| Instrument Date | Jul 10, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | PROGRESSIVE TITLE CORP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,737.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 646 OWL CT, ARNOLD, MD 21012-1557 |
| Document Number | 34880122 |
|---|---|
| Date | Jul 13, 2020 |
| Instrument | 34880/122 |
| Name | MCLEAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
Source: Anne Arundel County assessment roll as of July 1, 2023 · Last verified September 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $6,625.00 | $606,733 | $627,600 Land $301,800 Building $325,800 |
Source: FEMA National Flood Hazard Layer, Anne Arundel County (24003C), as of January 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240037311072, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 18 policies |
| Nearby Flood Policies | 18 in force |
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, 159 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable | 1,500 / 50 |
| Verizon Fiber | 980 / 880 |
| Believe Wireless Fixed Wireless | 500 / 100 |
Source: EPA Safe Drinking Water Information System, water system MD0020017, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GLEN BURNIE-BROADNECK serves 290,606 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2016–2018) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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