776 Locust Cir, Arnold, MD 21012 Property Records

Anne Arundel County property record for 776 Locust Cir, Arnold, MD 21012

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,680 sqft · built 1953
Lot Size	0.517 acres (22,500 sqft)
Owner	2 Individual Names on File
Last Sale	$945,250 (Sep 2012)
Tax Bill	$12,670 (2025)
Deeds & Mortgages	May 2020 Mortgage Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-075-23590805`

Property Details

APN / Parcel Number

Primary APN	`03-075-23590805`
Alternative APNs	`3-075-23590805` `07523590805`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,680 sqft Living Area
Gross Area	2,584 sqft
1st Floor Area	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	22,500 sqft (0.517 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	288 sqft
Deck Area	190 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	07523590805
Street Address	776 LOCUST CIR
City	ARNOLD
State	MD
Zip	21012-1615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 7 BK A BAYBERRY
Legal Subdivision	BAYBERRY
Legal Block	A
Legal Lot Number	7
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	2
Census Block	2001
Census Tract	731107

Owner

776 Locust Cir is owned and occupied by two individuals who bought it in September 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	776 LOCUST CIR, ARNOLD, MD 21012-1615
Occupancy	Owner Occupied
Owner Type	Individual

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
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Mar 12, 2018	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2012 · Amount on File
Deed Sale	Sep 19, 2012 · Amount on File
Prior Sale	Aug 21, 1981 · Amount on File
Deed Book / Page	25125 / 384
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	776 LOCUST CIR, ARNOLD, MD 21012-1615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NOVAS TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0345620316
Date	May 11, 2020
Book Page	34562/316

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2035

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	776 LOCUST CIR, ARNOLD, MD 21012-1615
Document Number	0319400009
Instrument Date	Mar 12, 2018
Transaction Type	Mortgage
Record Updated	Apr 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	776 LOCUST CIR ARNOLD MD 210121615, ARNOLD, MD 21012-1615

Mortgage

Document Number	0319400009
Date	Mar 22, 2018
Book Page	031940/000009

Lender

Name	TD BK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 21, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 776 Locust Cir was $12,670 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		$1,453,567 (+1.24%)	$1,471,300 (-) Land $1,189,700 Building $281,600
2025	$12,670.00 Homeowner's exemption	$1,435,833	$1,471,300 Land $1,189,700 Building $281,600
2023	$11,744.00 Homeowner's exemption	$1,415,167	$1,418,100 Land $1,189,700 Building $228,400

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

Flood

FEMA maps place 776 Locust Cir in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Nearby Flood Policies	18 in force

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 776 Locust Cir 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 99.1% of the US · lower than 98.5% 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 70 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Locust Cir

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