Anne Arundel County property record for 965 School Ln, Gambrills, MD 21054
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 696 sqft · built 1957 |
| Lot Size | 0.307 acres (13,350 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,460 (Jan 2018) |
| Tax Bill | $3,310 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-057-05916400 |
| Primary APN | 04-057-05916400 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 696 sqft Living Area |
| 1st Floor Area | 696 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Conventional |
| Exterior Material | Block |
| Construction Type | Concrete Block |
| Roof Material | Composition Shingle |
| Lot Area | 13,350 sqft (0.307 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 96 sqft |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 05705916400 |
|---|---|
| Street Address | 965 SCHOOL LN |
| City | GAMBRILLS |
| State | MD |
| Zip | 21054-1005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LT 13 BK A ARUNDEL VIEW |
| Legal Subdivision | ARUNDEL VIEW |
| Legal Block | A |
| Legal Lot Number | 13 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 740900 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 965 SCHOOL LN, GAMBRILLS, MD 21054-1005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC |
| Apr 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR |
| Jan 19, 2018 | Grant Deed, Transfer · FHA Mortgage EMBRACE HM LOANS |
| Oct 10, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 19, 2018 · Amount on Record |
| Deed Sale | Jan 19, 2018 · Amount on Record |
| Prior Sale | Oct 10, 2017 · Amount on Record |
| Deed Document Number | 201831769-345 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 965 SCHOOL LN, GAMBRILLS, MD 21054-1005 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATL TTL & CLOSING SV |
| Name | Verified Name |
|---|
| Document Number | 0378640332 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 37864/332 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 965 SCHOOL LN, GAMBRILLS, MD 21054-1005 |
| Document Number | 0330550001 |
| Instrument Date | Apr 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2019 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Address | 965 SCHOOL LN GAMBRILLS MD 210541005, GAMBRILLS, MD 21054-1005 |
| Document Number | 0330550001 |
|---|---|
| Date | Apr 18, 2019 |
| Book Page | 033055/000001 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 9% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jan 19, 2018 |
| Property Address | 965 SCHOOL LN, GAMBRILLS, MD 21054-1005 |
| Document Number | 0317690345 |
| Book / Page | 031769 / 000345 |
| Instrument Date | Dec 18, 2017 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2019 |
| Title Company | PASSPORT TITLE SERVICES LLC, PASSPORT TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.76 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 787 WINDSTREAM WAY ODENTON MD 21113, ODENTON, MD 21113 |
| Document Number | 317690350 |
|---|---|
| Date | Jan 19, 2018 |
| Book Page | 031769/000350 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 18, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Oct 10, 2017 |
| Property Address | 965 SCHOOL LN, GAMBRILLS, MD 21054-1005 |
| Document Number | 0314350431 |
| Book / Page | 031435 / 000431 |
| Instrument Date | Jun 12, 2017 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $147.09 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
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 | $278,900 (+14.24%) | $325,100 (+27.09%) Land $233,000 Building $92,100 | |
| 2025 | $3,310.00 (+24.2%) | ||
| 2023 | $2,665.00 | $244,133 | $255,800 Land $171,000 Building $84,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| Believe Broadband Fixed Wireless | 500 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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