962 Aqua Ct, Annapolis, MD 21409 Property Records

Anne Arundel County property record for 962 Aqua Ct, Annapolis, MD 21409

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,690 sqft · built 1980
Lot Size	0.462 acres (20,143 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Oct 2016)
Tax Bill	$5,792 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-046-90015632`

Property Details

APN / Parcel Number

Primary APN	`03-046-90015632`
Alternative APNs	`3-046-90015632` `04690015632`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,690 sqft Living Area
Gross Area	2,976 sqft
1st Floor Area	992 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,143 sqft (0.462 acres)
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	144 sqft
Deck Area	180 sqft
Patio Area	396 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	04690015632
Street Address	962 AQUA CT
City	ANNAPOLIS
State	MD
Zip	21409-4743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 226 PL 3 ATLANTIS
Legal Subdivision	ATLANTIS
Legal Block	3
Legal Lot Number	226
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	3
Census Block	3006
Census Tract	731004

Owner

962 Aqua Ct is owned and occupied by two individuals who bought it in October 2016.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	962 AQUA CT, ANNAPOLIS, MD 21409-4743
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2016 · Amount on File
Deed Sale	Oct 7, 2016 · Amount on File
Prior Sale	Feb 11, 2009 · Amount on File
Deed Book / Page	30142 / 497
Prior Transfer Date	Aug 6, 2013
Prior Transfer Doc	0266740495
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	962 AQUA CT, ANNAPOLIS, MD 21409-4743
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	CAPITOL TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	962 AQUA CT, ANNAPOLIS, MD 21409-4743

Mortgage

Document Number	0361430360
Date	Feb 12, 2021
Book Page	36143/360

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23462

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Feb 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 962 Aqua Ct was $5,792 with a homeowner's exemption, up 2.4% from the year before.

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		$606,633 (+8.41%)	$653,700 (-) Land $336,000 Building $317,700
2025	$5,792.00 (+2.44%) Homeowner's exemption	$559,567	$653,700 Land $336,000 Building $317,700
2024	$5,654.00 (+12.12%)
2023	$5,043.00 Homeowner's exemption	$507,733	$512,500 Land $288,000 Building $224,500

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

Flood

FEMA maps place 962 Aqua Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 11 policies
Nearby Flood Policies	11 in force

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

Wildfire risk around 962 Aqua Ct 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	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 599 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20