947 Waugh Chapel Rd, Gambrills, MD 21054 Property Records

Anne Arundel County property record for 947 Waugh Chapel Rd, Gambrills, MD 21054

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,432 sqft · built 1969
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$449,000 (Oct 2023)
Tax Bill	$4,757 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-295-06531703`

Property Details

APN / Parcel Number

Primary APN	`04-295-06531703`
Alternative APNs	`429506531703` `29506531703`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,432 sqft Living Area
Gross Area	1,992 sqft
1st Floor Area	982 sqft
Basement Area	450 sqft
Finished Basement	450 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	29506531703
Street Address	947 WAUGH CHAPEL RD
City	GAMBRILLS
State	MD
Zip	21054-1245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 5 SC 4 FOUR SEASONS ESTATES
Legal Subdivision	FOUR SEASONS ESTATES
Legal Block	3
Legal Lot Number	5
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	4
Census Block Group	3
Census Block	3011
Census Tract	740800

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	947 WAUGH CHAPEL RD, GAMBRILLS, MD 21054-1245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC
Oct 19, 2023	Deed, Transfer · Conventional Mortgage WESBANCO BANK INC
Aug 1, 2022	Deed, Transfer · FHA Mortgage INTERLINC MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2023 · Amount on Record
Deed Sale	Oct 19, 2023 · Amount on Record
Prior Sale	Aug 1, 2022 · Amount on Record
Deed Book / Page	40009 / 406
Transfer Doc	0000002033
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	947 WAUGH CHAPEL RD, GAMBRILLS, MD 21054-1245
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	COUNSEL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	947 WAUGH CHAPEL RD, GAMBRILLS, MD 21054-1245

Mortgage

Document Number	0417110498
Date	Oct 6, 2025
Book Page	41711/498

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	WHEELING, WV 26003

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Sep 29, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Oct 19, 2023
Property Address	947 WAUGH CHAPEL RD, GAMBRILLS, MD 21054-1245
Document Number	0400090406
Book / Page	40009 / 406
Map Reference	MB 38 FO 5
Instrument Date	Oct 17, 2023
Transaction Type	Transfer
Record Updated	Nov 3, 2023
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,245.00
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	947 WAUGH CHAPEL RD, GAMBRILLS, MD 21054-1245

Mortgage

Document Number	0040009414
Date	Oct 19, 2023
Instrument	40009/414

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Aug 1, 2022
Property Address	947 WAUGH CHAPEL RD, GAMBRILLS, MD 21054-1245
Document Number	0389840171
Book / Page	38984 / 171
Map Reference	MB 38 FO 5
Instrument Date	Jul 23, 2022
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,412.50
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	947 WAUGH CHAPEL RD, GAMBRILLS, MD 21054-1245

Mortgage

Document Number	0038984178
Date	Aug 1, 2022
Instrument	38984/178

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 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		$436,067 (+25.28%)	$489,400 (+19.54%) Land $281,900 Building $207,500
2025	$4,757.00 (+25.18%)
2023	$3,800.00 Homeowner's exemption	$348,067	$409,400 Land $220,200 Building $189,200

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2011–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 415 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fiber	980 / 880

May also be available: Believe Broadband.

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