7 Saunders Point Ln, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 7 Saunders Point Ln, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	6.5 ba · 7,955 sqft · built 2020
Lot Size	3.31 acres (144,184 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,900,000 (May 2016)
Tax Bill	$33,941 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-165-90109166`

Property Details

APN / Parcel Number

Primary APN	`02-165-90109166`
Alternative APNs	`2-165-90109166` `16590109166`

Interior

Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	7,955 sqft Living Area
Gross Area	9,919 sqft
1st Floor Area	3,820 sqft
Basement Area	1,869 sqft
Finished Basement	1,869 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	144,184 sqft
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,712 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Area	684 sqft
Porch	Enclosed Porch
Porch Area	187 sqft
Deck Area	503 sqft
Patio Area	372 sqft
Gazebo	100 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	16590109166
Street Address	7 SAUNDERS POINT LN
City	ANNAPOLIS
State	MD
Zip	21403-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 1RR SC 1 CHERRYSTONE
Legal Subdivision	CHERRYSTONE
Legal Block	4
Legal Lot Number	1RR
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4015
Census Tract	702500

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	8809 GOSHEN MILL CT, GAITHERSBURG, MD 20882-4237
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BANK
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jan 2, 2019	Deed of Trust, Mortgage · ARM FIRST NATIONAL BANK OF PENNSYLVANIA
Oct 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jan 20, 2021	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2016 · Amount on Record
Deed Sale	May 9, 2016 · Amount on Record
Prior Sale	Jun 9, 2003 · Amount on Record
Deed Book / Page	29551 / 69
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jul 29, 2026
Property Address	7 SAUNDERS POINT LN, ANNAPOLIS, MD 21403-1309
Document Number	4257000001
Book / Page	42578 / 1
Instrument Date	Jul 2, 2026
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	EAGLE TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 SAUNDERS POINT LN, ANNAPOLIS, MD 21403-1309

Mortgage

Document Number	4257000001,
Date	Jul 29, 2026
Book Page	42578/1

Lender

Name	ATLANTIC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.48%
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	7 SAUNDERS POINT LN, ANNAPOLIS, MD 21403-1309
Transaction Type	Mortgage
Record Updated	Jan 20, 2022
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 SAUNDERS POINT LN, ANNAPOLIS, MD 21403-1309

Mortgage

Document Number	0381570424
Date	Jan 3, 2022
Book Page	38157/424

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	7 SAUNDERS POINT LN, ANNAPOLIS, MD 21403-1309
Transaction Type	Mortgage
Record Updated	Aug 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0327740462
Date	Jan 2, 2019
Book Page	32774/462

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	ARM
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	6.37%
Index	1-Year LIBOR
Max Rate	10.3%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	7 SAUNDERS POINT LN, ANNAPOLIS, MD 21403-1309
Transaction Type	Mortgage
Record Updated	Aug 16, 2021
Title Company	EAGLE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 SAUNDERS POINT LN, ANNAPOLIS, MD 21403-1309

Mortgage

Document Number	0354690498
Date	Oct 24, 2020
Book Page	35469/498

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	7 SAUNDERS POINT LN, ANNAPOLIS, MD 21403-1309
Transaction Type	Mortgage
Record Updated	Aug 16, 2021
Title Company	RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0359770075
Date	Jan 20, 2021
Book Page	35977/75

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

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		$3,514,600 (+15.08%) Land $1,181,700 Building $2,332,900	$3,514,600 (-) Land $1,181,700 Building $2,332,900
2025	$33,941.00 (+45.72%)	$3,054,067 (+43.18%)	$3,514,600 (+64.77%) Land $1,181,700 Building $2,332,900
2023	$23,292.00	$2,133,000 Land $1,081,700 Building $1,051,300	$2,133,000 Land $1,081,700 Building $1,051,300

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	11 (1996–2013)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Jul 2013 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 6 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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

4G LTE (outdoors only), no 5G reported

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