90 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 90 E Lake Dr, Annapolis, MD 21403 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 4,204 sqft · built 2021
Lot Size	0.268 acres (11,677 sqft)
Owner	2 Individual Names on File
Last Sale	$3,250,000 (Jun 2026)
Tax Bill	$30,325 (2025)
Deeds & Mortgages	Oct 2024 Construction Loan Jun 2026 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`02-047-06490750`

Property Details

APN / Parcel Number

Primary APN	`02-047-06490750`
Alternative APNs	`2-047-06490750` `04706490750`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	4,204 sqft Living Area
Gross Area	5,111 sqft
1st Floor Area	982 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,677 sqft (0.268 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	247 sqft
Patio Area	247 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	04706490750
Street Address	90 E LAKE DR
City	ANNAPOLIS
State	MD
Zip	21403-4413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 28 SC 7 BAY RIDGE
Legal Subdivision	BAY RIDGE
Legal Block	4
Legal Lot Number	28
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	4
Census Block	4002
Census Tract	702602

Owner

Source: Anne Arundel County records · APN 02-047-06490750

Assessment roll updated August 13, 2025 · Last verified August 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 File
Mailing Address	217 RAVENSCLIFF RD, WAYNE, PA 19087-4738
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 02, 2024	Deed of Trust, Mortgage · Construction Mortgage SHORE UNITED BANK NA
Jun 02, 2026	Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE
Jun 22, 2023	Intrafamily Transfer, Transfer
Mar 08, 2021	Deed, Construction Loan · Construction Mortgage SEVERN SAVINGS BANK FSB
Oct 20, 2021	Re-recorded Document · Construction Mortgage SEVERN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 02, 2026 · Amount on Record
Deed Sale	Jun 02, 2026 · Amount on Record
Prior Sale	Oct 20, 2021 · Amount on Record
Deed Book / Page	42402 / 109
Prior Transfer Date	May 22, 2023
Prior Transfer Doc	0397410122
Record Updated	Sep 20, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	90 E LAKE DR, ANNAPOLIS, MD 21403-4413
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	924 CHILDS POINT RD, ANNAPOLIS, MD 21401-4493

Mortgage

Document Number	0407770319
Date	Oct 02, 2024
Book Page	40777/319

Lender

Name	SHORE UNITED BANK NA
Type	Bank
Address	EASTON, MD 21601

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Oct 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Oct 01, 2032
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	11.5%
Index	1-Year T-Bill
Max Rate	11.5%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 02, 2026
Property Address	90 E LAKE DR, ANNAPOLIS, MD 21403-4413
Document Number	4240000109
Book / Page	42402 / 109
Instrument Date	May 20, 2026
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	STATE TITLE SERVICES, FREESTATE TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,282,500.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	217 RAVENSCLIFF RD, WAYNE, PA 19087-4738

Mortgage

Document Number	4240000118,
Date	Jun 02, 2026
Book Page	42402/118

Lender

Name	MOVEMENT MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 22, 2023
Property Address	90 E LAKE DR, ANNAPOLIS, MD 21403-4413
Document Number	0397410122
Book / Page	39741 / 122
Map Reference	MB 3 PG 44
Instrument Date	May 22, 2023
Transaction Type	Transfer
Record Updated	Jul 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	90 E LAKE DR, ANNAPOLIS, MD 21403-4413

March 2021: Deed, Construction Loan

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 08, 2021
Property Address	90 E LAKE DR, ANNAPOLIS, MD 21403-4413
Document Number	0362990129
Book / Page	36299 / 129
Map Reference	MB 3 PG 44
Instrument Date	Jan 26, 2021
Transaction Type	Construction Loan
Record Updated	Aug 16, 2022
Title Company	FREESTATE TITLE SERVICES/ANNAPOLIS, FREESTATE TTL SVCS OF ANNAPO

Transaction

Amount	Amount Recorded
Tax	$6,000.00
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 in Severalty
Address	108 CRESSTON RD, ARNOLD, MD 21012-1007

Mortgage

Document Number	0036299133
Date	Mar 08, 2021
Instrument	36299/133

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	371 Months
Due	Feb 01, 2052

Interest

Rate Type	Fixed Rate
Rate	3.87%
Type Change Date	Feb 01, 2032
Min Rate At Change	3.87%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	8.87%

October 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 20, 2021
Property Address	90 E LAKE DR, ANNAPOLIS, MD 21403-4413
Document Number	0377380140
Book / Page	37738 / 140
Map Reference	MB 3 PG 44
Instrument Date	Jan 26, 2021
Record Updated	Aug 16, 2022
Title Company	FREESTATE TTL SVCS OF ANNAPO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	108 CRESSTON RD, ARNOLD, MD 21012-1007

Mortgage

Document Number	0377380145
Date	Oct 20, 2021
Book Page	37738/145

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	364 Months
Due	Feb 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Feb 01, 2032
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	8.87%

Tax Assessment & Valuation

Source: Anne Arundel County records · Assessment roll updated August 13, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$30,325.00 (+17.95%)	$2,652,900 (+47.77%)	$3,081,700 (+71.65%) Land $2,345,300 Building $736,400
2024	$25,711.00 (+31.15%)
2023	$19,604.00 (+11.75%)	$1,795,300 (+6.94%) Land $1,234,000 Building $561,300	$1,795,300 (-) Land $1,234,000 Building $561,300
2022	$17,543.00	$1,678,800	$1,795,300 Land $1,234,000 Building $561,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Anne Arundel County (24003C), updated January 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240037026024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 64 individual NFIP policies nearby
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 Storm	Hurricane Isabel, Sep 2003 · 2 claims

Wildfire

Wildfire Risk	Low above 6% of the US · above 13% of Maryland
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 173 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Verizon	Fiber	980 / 880

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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