Anne Arundel County property record for 78 Richard Ave, Severn, MD 21144
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,800 sqft · built 2012 |
| Lot Size | 0.345 acres (15,014 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $498,755 (Nov 2012) |
| Tax Bill | $6,349 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jan 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-954-90227132 |
| Primary APN | 04-954-90227132 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,800 sqft Living Area |
| Gross Area | 3,200 sqft |
| 1st Floor Area | 1,480 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 15,014 sqft (0.345 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 32 sqft |
| Deck Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 95490227132 |
|---|---|
| Street Address | 78 RICHARD AVE |
| City | SEVERN |
| State | MD |
| Zip | 21144-3350 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 5 WOODBERRY |
| Legal Subdivision | WOODBERRY |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 740303 |
78 Richard Ave is owned and occupied by two individuals who bought it in November 2012.
Source: Anne Arundel County records, as of September 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 78 RICHARD AVE, SEVERN, MD 21144-3350 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN BANK |
| Jan 5, 2022 | Deed of Trust, Mortgage · Line of Credit APPLE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2012 · Amount on File |
| Deed Sale | Nov 15, 2012 · Amount on File |
| Prior Sale | Sep 20, 2012 · Amount on File |
| Deed Book / Page | 25370 / 141 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 78 RICHARD AVE, SEVERN, MD 21144-3350 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Title Company | ATG TITLE INC ANNAPOLIS |
| Name | Verified Name |
|---|
| Document Number | 0376840469 |
|---|---|
| Date | Oct 8, 2021 |
| Book Page | 37684/469 |
| Name | MERIDIAN BANK |
|---|---|
| Type | Bank |
| Address | BLUE BELL, PA 19422 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 78 RICHARD AVE, SEVERN, MD 21144-3350 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Title Company | HAMPTON TITLE LLC, CHAMPION TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 78 RICHARD AVE, SEVERN, MD 21144-3350 |
| Document Number | 0381620333 |
|---|---|
| Date | Jan 5, 2022 |
| Book Page | 38162/333 |
| Name | APPLE FCU |
|---|---|
| Type | Credit Union |
| Address | FAIRFAX, VA 22030 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 17, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 78 Richard Ave was $6,349 with a homeowner's exemption.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $608,733 | $667,000 Land $233,000 Building $434,000 | |
| 2025 | $6,349.00 | ||
| 2023 | $5,579.00 Homeowner's exemption | $526,000 | $579,600 Land $204,700 Building $374,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 78 Richard Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2014.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 5 (2014–2018) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Dec 2018 · rainfall accumulation |
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 risk around 78 Richard Ave 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CROFTON-ODENTON serves 62,986 people · EPA ID MD0020008 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2017–2019) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 297 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 · Fixed Wireless in parts of the area | 980 / 880 |
| Believe Broadband Fixed Wireless | 500 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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