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709 Cottage Dr, Arnold, MD 21012 Property Records

Anne Arundel County property record for 709 Cottage Dr, Arnold, MD 21012

Property Summary

Property TypeSingle Family Home
Details4.5 ba · 5,024 sqft · built 2007
Lot Size0.373 acres (16,229 sqft)
Owner2 Individual Names on Record
Last Sale$2,700,000 (Aug 2024)
Tax Bill$17,854 (2025)
Deeds & MortgagesSep 2025 Line of Credit
Flood ZoneZone X (minimal risk)
APN03-000-24375400

Property Details

APN / Parcel Number

Primary APN03-000-24375400
Alternative APNs
  • 3-000-24375400
  • 00024375400

Interior

Full Baths4.5 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area5,024 sqft Living Area
Gross Area6,322 sqft
1st Floor Area1,314 sqft
Basement Area200 sqft
Fireplaces1 Fireplace
FireplaceFireplace
ElevatorElevator

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Architectural StyleConventional
Exterior MaterialStucco
Roof MaterialComposition Shingle
Lot Area16,229 sqft (0.373 acres)
View / LotWaterfront
Garage TypeAttached
Garage Area900 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
PorchOpen Porch
Porch Area474 sqft
Patio Area398 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
SewerMunicipal

Location & Zoning

Account Number00024375400
Street Address709 COTTAGE DR
CityARNOLD
StateMD
Zip21012-1107
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR5
Legal DescriptionLT 9A FERRY POINT ON THE MAGOT
Legal SubdivisionFERRY POINT ON THE MAGOT
Legal Block2
Legal Lot Number9A
JurisdictionANNE ARUNDEL MD
Township / Civil Division5
Census Block Group2
Census Block2005
Census Tract731105

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 Record2 Individual Names on Record
Mailing Address709 COTTAGE DR, ARNOLD, MD 21012-1107
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 29, 2024 · Amount on Record
Deed SaleAug 29, 2024 · Amount on Record
Prior SaleMar 27, 1990 · Amount on Record
Deed Book / Page40685 / 200
Prior Transfer DateJul 7, 2015
Prior Transfer Doc0289140231
Record UpdatedOct 29, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionANNE ARUNDEL MD
Property Address709 COTTAGE DR, ARNOLD, MD 21012-1107
Transaction TypeMortgage
Record UpdatedSep 29, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address709 COTTAGE DR, ARNOLD, MD 21012-1107

Mortgage

Document Number0416240172
DateSep 8, 2025
Book Page41624/172
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueAug 29, 2055
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyAnne Arundel County
Unified School DistrictAnne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,875,167 (+17.84%)$2,159,000 (-) Land $996,000 Building $1,163,000
2025$17,854.00 (+65.79%)$1,591,333 (+24.38%)$2,159,000 (+65.12%) Land $996,000 Building $1,163,000
2024$10,769.00 (+7.29%)
2023$10,037.00 Homeowner's exemption$1,279,400$1,307,500 Land $699,800 Building $607,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 31 individual policies
Nearby Flood Policies65 units insured
incl. 34 condo units
Nearby Flood Claims31 (1979–2024)
Claims Outside the SFHA5 of 31
Most Recent ClaimJan 2024 · other causes
Claims by Event
  • Hurricane Isabel, Sep 2003 · 17 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 RiskLow
lower than 99.8% of the US · lower than 99.8% of Maryland
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemGLEN BURNIE-BROADNECK
serves 290,606 people · EPA ID MD0020017
Water SourceGroundwater
Last State InspectionMay 2024
LeadUnder 1 ppb (2016–2018)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 215 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Astound Broadband
Cable		1,500 / 50
Verizon
Fiber		980 / 880
Believe Broadband
Fixed Wireless		500 / 100
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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