739 Cottage Dr, Arnold, MD 21012 Property Records

Anne Arundel County property record for 739 Cottage Dr, Arnold, MD 21012

Property Summary

Property Type	Exempt (Full or Partial)
Details	4 ba · 2,300 sqft · built 1988
Lot Size	0.089 acres (3,863 sqft)
Owner	2 Individual Names on File
Last Sale	$565,000 (Mar 2021)
Tax Bill	$524 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Sep 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`03-000-90023602`

Property Details

APN / Parcel Number

Primary APN	`03-000-90023602`
Alternative APNs	`300090023602` `00090023602`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	2,300 sqft Gross Area
1st Floor Area	860 sqft
Basement Area	640 sqft
Finished Basement	640 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	3,863 sqft (0.089 acres)
Garage Type	Detached
Garage Area	256 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	320 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	00090023602
Street Address	739 COTTAGE DR
City	ARNOLD
State	MD
Zip	21012-1107
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R5
Legal Description	3863 SQ FT COTTAGE 8 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

739 Cottage Dr is owned and occupied by two individuals who bought it in March 2021.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	739 COTTAGE DR, ARNOLD, MD 21012-1107
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Nov 6, 2025	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Mar 31, 2021	Deed, Transfer · VA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jun 6, 2019	Grant Deed, Transfer · Conventional with PMI CALIBER HM LOANS
Aug 13, 2018	Grant Deed, Transfer STEPHEN BARKER
Aug 22, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2021 · Amount on File
Deed Sale	Mar 31, 2021 · Amount on File
Prior Sale	Jun 6, 2019 · Amount on File
Deed Book / Page	36449 / 486
Transfer Doc	7065000069
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	739 COTTAGE DR, ARNOLD, MD 21012-1107
Transaction Type	Mortgage
Record Updated	Nov 21, 2025
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0418040288
Date	Nov 6, 2025
Book Page	41804/288

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	739 COTTAGE DR, ARNOLD, MD 21012-1107
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	TERRAIN TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0351880298
Date	Sep 9, 2020
Book Page	35188/298

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 31, 2021
Property Address	739 COTTAGE DR, ARNOLD, MD 21012-1107
Document Number	0364490486
Book / Page	36449 / 486
Instrument Date	Feb 25, 2021
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	CARTER TITLE LLC, CHARTER TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,475.00
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 by the Entirety
Address	739 COTTAGE DR, ARNOLD, MD 21012-1107

Mortgage

Document Number	0036449493
Date	Mar 31, 2021
Instrument	36449/493

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 6, 2019
Property Address	739 COTTAGE DR, ARNOLD, MD 21012-1107
Document Number	0332090372
Book / Page	033209 / 000372
Instrument Date	May 23, 2019
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	TERRAIN TITLE ESCROW COMPANY LLC, TERRAIN TITLE ESCROW CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	739 COTTAGE DR ARNOLD MD 210121107, ARNOLD, MD 21012-1107

Mortgage

Document Number	332090378
Date	Jun 6, 2019
Book Page	033209/000378

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Aug 13, 2018
Property Address	739 COTTAGE DR, ARNOLD, MD 21012-1107
Document Number	0323850289
Book / Page	032385 / 000289
Instrument Date	Jul 25, 2018
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	SERVICELINK

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5055 AMESBURY DR COLUMBIA MD 210441526, COLUMBIA, MD 21044-1526

Mortgage

Document Number	323850296
Date	Aug 13, 2018
Book Page	032385/000296

Lender

Name	STEPHEN BARKER
Address	12110 GLEN MILL RD, POTOMAC, MD 20854-1923

Agreement

Amount	Amount on Record

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Aug 22, 2017
Property Address	739 COTTAGE DR, ARNOLD, MD 21012-1107
Document Number	0312720291
Book / Page	031272 / 000291
Instrument Date	Aug 4, 2017
Transaction Type	Foreclosure
Record Updated	Oct 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$283.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 739 Cottage Dr was $524 with a homeowner's exemption.

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		$484,167	$507,200 Land $210,000 Building $297,200
2025	$524.00
2023	$3,877.00 Homeowner's exemption	$404,033	$438,100 Land $210,000 Building $228,100

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

Flood

FEMA maps place 739 Cottage Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 739 Cottage Dr is low, with less than 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 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

Nearby Properties on Cottage Dr

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