95 E Lake Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 95 E Lake Dr, Annapolis, MD 21403

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,760 sqft · built 2011
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$1,650,000 (Dec 2022)
Tax Bill	$11,400 (2023)
Deeds & Mortgages	Feb 2023 Mortgage Dec 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-047-02125200`

Property Details

APN / Parcel Number

Primary APN	`02-047-02125200`
Alternative APNs	`204702125200` `04702125200`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,760 sqft Total Area
Basement Area	540 sqft
Finished Basement	540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Mixed
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	04702125200
Old Parcel Number	204702125200
Street Address	95 E LAKE DR
City	ANNAPOLIS
State	MD
Zip	21403-4445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 27 SC 8 95 EAST LAKE DR BAY RIDGE
Legal Section	08
Legal Subdivision	BAY RIDGE
Legal Lot Number	27
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 25, 2023

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

Owner of Record	Individual Name on Record
Mailing Address	95 E LAKE DR, ANNAPOLIS, MD 21403-4445
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2023	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 15, 2022	Deed, Transfer SAGE TITLE GROUP LLC
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2022 · Amount on Record
Deed Sale	Dec 15, 2022 · Amount on Record
Deed Document Number	0039341380
Deed Book / Page	39341 / 380
Record Updated	Jun 7, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	95 E LAKE DR, ANNAPOLIS, MD 21403-4445
Transaction Type	Mortgage
Record Updated	Mar 9, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4607 CHILKOOT LAKE RD, HAINES, AK 99827

Mortgage

Document Number	0394700171
Date	Feb 22, 2023
Book Page	39470/171

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	ELGIN, IL 60124

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Mar 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	Other
Max Rate	10.2%

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Dec 15, 2022
Property Address	95 E LAKE DR, ANNAPOLIS, MD 21403-4445
Document Number	0393410380
Book / Page	39341 / 380
Map Reference	MB 3 PG 44
Instrument Date	Nov 15, 2022
Transaction Type	Transfer
Record Updated	Dec 29, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$4,125.00
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 in Severalty
Address	95 E LAKE DR, ANNAPOLIS, MD 21403-4445

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	95 E LAKE DR, ANNAPOLIS, MD 21403-4445
Transaction Type	Mortgage
Record Updated	Jan 26, 2022
Title Company	QUICK SILVA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0381600190
Date	Jan 4, 2022
Book Page	38160/190

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Dec 1, 2026
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	Other
Max Rate	7.75%

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of July 1, 2023

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
2023	$11,400.00	$1,044,000 Land $609,200 Building $434,800	$1,044,000 Land $609,200 Building $434,800

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 500 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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