88 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 88 E Lake Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,788 sqft · built 1981
Lot Size	0.368 acres (16,035 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,675,000 (Apr 2022)
Tax Bill	$21,077 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-047-02786503`

Property Details

APN / Parcel Number

Primary APN	`02-047-02786503`
Alternative APNs	`204702786503` `04702786503`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,788 sqft Living Area
Gross Area	4,316 sqft
1st Floor Area	1,532 sqft
Basement Area	1,144 sqft
Finished Basement	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	16,035 sqft (0.368 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Deck Area	524 sqft
Boat Access	Boat Access
Boat House	950 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	04702786503
Street Address	88 E LAKE DR
City	ANNAPOLIS
State	MD
Zip	21403-4413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 29 SC 7 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	29
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4002
Census Tract	702602

Owner

Source: Anne Arundel County records, as of September 4, 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	88 E LAKE DR, ANNAPOLIS, MD 21403-4413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2022 · Amount on Record
Deed Sale	Apr 7, 2022 · Amount on Record
Deed Book / Page	38577 / 72
Record Updated	Oct 29, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 7, 2022
Property Address	88 E LAKE DR, ANNAPOLIS, MD 21403-4413
Document Number	0385770072
Book / Page	38577 / 72
Map Reference	MB 3 PG 44
Instrument Date	Feb 18, 2022
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	NOT AVAILABLE, EAGLE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,125.00
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	88 E LAKE DR, ANNAPOLIS, MD 21403-4413

Mortgage

Document Number	0003857780
Date	Apr 7, 2022
Instrument	38577/80

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2052

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		$3,067,000 (+77.56%) Land $2,459,200 Building $607,800	$3,067,000 (+77.56%) Land $2,459,200 Building $607,800
2025	$21,077.00 (+15.74%)
2023	$18,210.00 Homeowner's exemption	$1,727,300 Land $1,288,500 Building $438,800	$1,727,300 Land $1,288,500 Building $438,800

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 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	7 (2003–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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 94% of the US · lower than 87% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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