Anne Arundel County property record for 827 Locust Dr, West River, MD 20778
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,946 sqft · built 1972 |
| Lot Size | 0.576 acres (25,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Mar 2023) |
| Tax Bill | $5,608 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Mar 2023 Sale & Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-738-01975855 |
| Primary APN | 07-738-01975855 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,946 sqft Living Area |
| Gross Area | 2,430 sqft |
| 1st Floor Area | 1,946 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 25,100 sqft (0.576 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 98 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 73801975855 |
|---|---|
| Street Address | 827 LOCUST DR |
| City | WEST RIVER |
| State | MD |
| Zip | 20778-9746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 4 BK D SHADY OAKS MANOR |
| Legal Subdivision | SHADY OAKS MANOR |
| Legal Block | D |
| Legal Lot Number | 4 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 707001 |
827 Locust Dr is owned by two individuals who bought it in March 2023.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 ROMAR DR, ANNAPOLIS, MD 21403-1319 |
| 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.
| Date | Document |
|---|---|
| Sep 27, 2023 | Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING |
| Mar 16, 2023 | Deed, Construction Loan · Construction Mortgage BAY PRIVATE CAPITAL LLC |
| Mar 3, 2021 | Deed, Transfer DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE AND ESCROW CO |
| Jun 26, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2023 · Amount on File |
| Deed Sale | Mar 16, 2023 · Amount on File |
| Prior Sale | Mar 3, 2021 · Amount on File |
| Deed Book / Page | 39521 / 244 |
| Prior Transfer Date | Sep 3, 2015 |
| Prior Transfer Doc | 0348080421 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 827 LOCUST DR, WEST RIVER, MD 20778-9746 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2023 |
| Title Company | LIBERTY TITLE ESCROW/MD LLC, LIBERTY T&E OF MD LLC |
| Name | Verified Name |
|---|---|
| Address | 3 ROMAR DR, ANNAPOLIS, MD 21403-1319 |
| Document Number | 0399590029 |
|---|---|
| Date | Sep 27, 2023 |
| Book Page | 39959/29 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Mar 16, 2023 |
| Property Address | 827 LOCUST DR, WEST RIVER, MD 20778-9746 |
| Document Number | 0395210244 |
| Book / Page | 39521 / 244 |
| Map Reference | MB 20 PL 14 |
| Instrument Date | Feb 24, 2023 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 30, 2023 |
| Title Company | LIBERTY TITLE COMPANY LLC, LIBERTY T&E CO LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 ROMAR DR, ANNAPOLIS, MD 21403-1319 |
| Document Number | 0039521250 |
|---|---|
| Date | Mar 16, 2023 |
| Instrument | 39521/250 |
| Name | BAY PRIVATE CAPITAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Mar 3, 2021 |
| Property Address | 827 LOCUST DR, WEST RIVER, MD 20778-9746 |
| Document Number | 0362620135 |
| Book / Page | 36262 / 135 |
| Map Reference | MB 20 PL 14 |
| Instrument Date | Feb 12, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Title Company | DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE AND ESCROW CO |
| Amount | Amount on Record |
|---|---|
| Tax | $3,900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 2800 NEILSON WAY APT 1407, 1407, SANTA MONICA, CA 90405-4042 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jun 26, 2020 |
| Property Address | 827 LOCUST DR, WEST RIVER, MD 20778-9746 |
| Document Number | 0348080421 |
| Book / Page | 034808 / 000421 |
| Instrument Date | Sep 3, 2015 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 827 LOCUST DR WEST RIVER MD 207789746, WEST RIVER, MD 20778-9746 |
The 2025 property tax bill for 827 Locust Dr was $5,608, up 6.8% from the year before.
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 | $494,500 (+7.18%) Land $174,200 Building $320,300 | $494,500 (-) Land $174,200 Building $320,300 | |
| 2025 | $5,608.00 (+6.8%) | $461,367 | $494,500 Land $174,200 Building $320,300 |
| 2024 | $5,251.00 (+21.72%) | ||
| 2023 | $4,314.00 | $395,100 Land $174,200 Building $220,900 | $395,100 Land $174,200 Building $220,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 827 Locust 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 101 policies |
| Nearby Flood Policies | 101 in force |
| Nearby Flood Claims | 50 (1979–2024) |
| Claims Outside the SFHA | 11 of 50 |
| Most Recent Claim | Jan 2024 · river or lake flooding |
| Claims by Event |
|
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 827 Locust Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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