862 Mill Creek Rd, Arnold, MD 21012 Property Records

Anne Arundel County property record for 862 Mill Creek Rd, Arnold, MD 21012

Property Summary

Property Type	Single Family Home
Details	2 ba · 990 sqft · built 1946
Lot Size	0.189 acres (8,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Mar 2020)
Tax Bill	$7,854 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-525-09266900`

Property Details

APN / Parcel Number

Primary APN	`03-525-09266900`
Alternative APNs	`352509266900` `52509266900`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	990 sqft Living Area
1st Floor Area	660 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Conventional
Exterior Material	Block
Construction Type	Concrete Block
Roof Material	Composition Shingle
Lot Area	8,250 sqft (0.189 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	176 sqft
Shed	1 Shed
Shed Area	160 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	52509266900
Street Address	862 MILL CREEK RD
City	ARNOLD
State	MD
Zip	21012-1129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 28 MAGOTHY SHORES
Legal Subdivision	MAGOTHY SHORES
Legal Block	2
Legal Lot Number	28
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	2
Census Block	2002
Census Tract	731105

Owner

Source: Anne Arundel County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	862 MILL CREEK RD, ARNOLD, MD 21012-1129
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2020 · Amount on Record
Deed Sale	Mar 30, 2020 · Amount on Record
Prior Sale	Nov 26, 1996
Deed Book / Page	34371 / 357
Record Updated	Oct 29, 2026

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 30, 2020
Property Address	862 MILL CREEK RD, ARNOLD, MD 21012-1129
Document Number	0343710357
Book / Page	34371 / 357
Map Reference	CAB 2 PL 15
Instrument Date	Mar 23, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	CHARTER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,625.00
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	862 MILL CREEK RD, ARNOLD, MD 21012-1129

Mortgage

Document Number	3437365
Date	Mar 30, 2020
Instrument	3437/365

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

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		$748,167 (+27.72%)	$823,200 (+37.64%) Land $754,000 Building $69,200
2025	$7,854.00 (+22.8%)
2023	$6,396.00	$585,767	$598,100 Land $529,400 Building $68,700

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 100 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 95% of the US · lower than 90% 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.

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 421 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