Anne Arundel County property record for 949 Hilltop Rd, Arnold, MD 21012
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,953 sqft · built 1977 |
| Lot Size | 0.983 acres (42,818 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $379,000 (May 2020) |
| Tax Bill | $5,136 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage May 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-749-90011942 |
| Primary APN | 03-749-90011942 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,953 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 897 sqft |
| Finished Basement | 897 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 42,818 sqft (0.983 acres) |
| Deck Area | 120 sqft |
| Shed | 1 Shed |
| Shed Area | 121 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 74990011942 |
|---|---|
| Street Address | 949 HILLTOP RD |
| City | ARNOLD |
| State | MD |
| Zip | 21012-1738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 332 SHORE ACRES |
| Legal Subdivision | SHORE ACRES |
| Legal Block | 1 |
| Legal Lot Number | 332 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 731107 |
949 Hilltop Rd is owned and occupied by two individuals who bought it in May 2020.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 949 HILLTOP RD, ARNOLD, MD 21012-1738 |
| Occupancy | Owner Occupied |
| 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 16, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 18, 2023 | Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB |
| May 19, 2020 | Grant Deed, Transfer · FHA Mortgage NFM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 19, 2020 · Amount on File |
| Deed Sale | May 19, 2020 · Amount on File |
| Prior Sale | Jan 9, 2015 · Amount on File |
| Deed Book / Page | 34607 / 168 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 949 HILLTOP RD, ARNOLD, MD 21012-1738 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|---|
| Address | 949 HILLTOP RD, ARNOLD, MD 21012-1738 |
| Document Number | 0416450225 |
|---|---|
| Date | Sep 16, 2025 |
| Book Page | 41645/225 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 310 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 949 HILLTOP RD, ARNOLD, MD 21012-1738 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 949 HILLTOP RD, ARNOLD, MD 21012-1738 |
| Document Number | 0396660045 |
|---|---|
| Date | May 18, 2023 |
| Book Page | 39666/45 |
| Name | CENLAR FSB |
|---|---|
| Type | Bank |
| Address | TRENTON, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 338 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | May 19, 2020 |
| Property Address | 949 HILLTOP RD, ARNOLD, MD 21012-1738 |
| Document Number | 0346070168 |
| Book / Page | 034607 / 000168 |
| Instrument Date | Apr 10, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2020 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $379.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 949 HILLTOP RD ARNOLD MD 210121738, ARNOLD, MD 21012-1738 |
| Document Number | 346070174 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 034607/000174 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 18, 2050 |
The 2025 property tax bill for 949 Hilltop Rd was $5,136 with a homeowner's exemption.
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 | $453,400 | $475,900 Land $253,700 Building $222,200 | |
| 2025 | $5,136.00 | ||
| 2023 | $4,444.00 Homeowner's exemption | $408,400 Land $253,700 Building $154,700 | $408,400 Land $253,700 Building $154,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 949 Hilltop Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.
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 |
| Flood Insurance Cost | Premium on File median of 24 policies |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 1 (2003) |
| Most Recent Claim | Sep 2003 · Hurricane Isabel |
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 949 Hilltop Rd is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 187 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 | 980 / 880 |
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