737 Cottage Dr, Arnold, MD 21012 Property Records

Anne Arundel County property record for 737 Cottage Dr, Arnold, MD 21012

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1928
Lot Size	0.11 acres (4,791 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Jun 2008)
Tax Bill	$2,983 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-000-90007488`

Property Details

APN / Parcel Number

Primary APN	`03-000-90007488`
Alternative APNs	`3-000-90007488` `00090007488`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Conventional
Exterior Material	Block
Construction Type	Concrete Block
Roof Material	Composition Shingle
Lot Area	4,791 sqft (0.11 acres)
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	00090007488
Street Address	737 COTTAGE DR
City	ARNOLD
State	MD
Zip	21012-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	.109 ACRE MAGO VISTA
Legal Subdivision	MAGO VISTA
Legal Block	2
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	2
Census Block	2007
Census Tract	731105

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	Individual Name on Record
Mailing Address	737 COTTAGE DR, ARNOLD, MD 21012-1107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN BANK
Jun 14, 2023	Intrafamily Transfer, Transfer
Oct 23, 2019	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 6, 2016	Deed of Trust, Mortgage · Line of Credit STATE EMP CU/MD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2008 · Amount on Record
Deed Sale	Jun 20, 2008 · Amount on Record
Prior Sale	May 14, 1992 · Amount on Record
Deed Document Number	20086041
Deed Book / Page	20241 / 620
Last Transfer Date	Jun 9, 2023
Transfer Doc	0397210106
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	737 COTTAGE DR, ARNOLD, MD 21012-1107
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	MADISON SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0369920454
Date	Jun 16, 2021
Book Page	36992/454

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Apr 1, 2051

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 14, 2023
Property Address	737 COTTAGE DR, ARNOLD, MD 21012-1107
Document Number	0397210106
Book / Page	39721 / 106
Instrument Date	Jun 9, 2023
Transaction Type	Transfer
Record Updated	Sep 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	737 COTTAGE DR, ARNOLD, MD 21012-1107

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	737 COTTAGE DR, ARNOLD, MD 21012-1107
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0337450344
Date	Oct 23, 2019
Book Page	33745/344

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	737 COTTAGE DR, ARNOLD, MD 21012-1107
Document Number	0305360244
Book / Page	030536 / 000244
Instrument Date	Dec 6, 2016
Transaction Type	Mortgage
Record Updated	Mar 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	737 COTTAGE DR ARNOLD MD 210121107, ARNOLD, MD 21012-1107

Mortgage

Document Number	0305360244
Date	Jan 17, 2017
Book Page	030536/000244

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	LINTHICUM, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2047

Interest

Rate Type	Adjustable Rate

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		$289,267 (+2.71%)	$296,900 (-) Land $217,300 Building $79,600
2025	$2,983.00 (+2.05%) Homeowner's exemption	$281,633 (+8.63%)	$296,900 (+8.36%) Land $217,300 Building $79,600
2024	$2,923.00 (+24.01%)
2023	$2,357.00 (-7.75%) Homeowner's exemption	$259,267 (+6.03%)	$274,000 (-) Land $217,300 Building $56,700
2022	$2,555.00 Homeowner's exemption	$244,533	$274,000 Land $217,300 Building $56,700

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 31 individual policies
Nearby Flood Policies	65 units insured incl. 34 condo units
Nearby Flood Claims	31 (1979–2024)
Claims Outside the SFHA	5 of 31
Most Recent Claim	Jan 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 Risk	Low lower than 99.8% of the US · lower than 99.8% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 215 locations within half a mile, as of December 31, 2025

Provider	Max 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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