974 Riversedge Cir, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 974 Riversedge Cir, Annapolis, MD 21401

Property Summary

Property Type	Townhouse
Details	1 ba · 912 sqft · built 1983
Lot Size	0.059 acres (2,550 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Aug 2018)
Tax Bill	$2,982 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-892-90036923`

Property Details

APN / Parcel Number

Primary APN	`02-892-90036923`
Alternative APNs	`2-892-90036923` `89290036923`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,550 sqft (0.059 acres)
Porch	Open Porch
Porch Area	76 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	89290036923
Street Address	974 RIVERSEDGE CIR
City	ANNAPOLIS
State	MD
Zip	21401-7810
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2
Legal Description	LT 12 SC 413 PL 2 HERITAGE HARBOUR
Legal Subdivision	HERITAGE HARBOUR
Legal Block	1
Legal Lot Number	12
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1002
Census Tract	751600

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	974 RIVERSEDGE CIR, ANNAPOLIS, MD 21401-7810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · VA Mortgage BAY CAPITAL MORTGAGE CORP
Oct 29, 2019	Deed of Trust, Mortgage · VA Mortgage BAY CAPITAL MORTGAGE CORP
Aug 20, 2018	Deed, Transfer · VA Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2018 · Amount on Record
Deed Sale	Aug 20, 2018 · Amount on Record
Prior Sale	Sep 19, 2013 · Amount on Record
Deed Book / Page	32404 / 409
Last Transfer Date	Nov 4, 2024
Transfer Doc	0408780048
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	974 RIVERSEDGE CIR, ANNAPOLIS, MD 21401-7810
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	THE TITLE SERVICES GROUP, THE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 RIVERSEDGE CIR, ANNAPOLIS, MD 21401-7810

Mortgage

Document Number	0382800148
Date	Jan 26, 2022
Book Page	38280/148

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	974 RIVERSEDGE CIR, ANNAPOLIS, MD 21401-7810
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	VELOCITY NATIONAL TTL CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0337640424
Date	Oct 29, 2019
Book Page	33764/424

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Aug 20, 2018
Property Address	974 RIVERSEDGE CIR, ANNAPOLIS, MD 21401-7810
Document Number	0324040409
Book / Page	32404 / 409
Map Reference	MB88 PL4
Instrument Date	Aug 10, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CHARTER TITLE LC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	RIVERSEDGE CIR, ANNAPOLIS, MD 21401

Mortgage

Document Number	0032404414
Date	Aug 20, 2018
Instrument	32404/414

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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		$273,300 (+5.86%) Land $150,000 Building $123,300	$273,300 (-) Land $150,000 Building $123,300
2025	$2,982.00 (+2.37%)	$258,167 (+13.28%)	$273,300 (+19.92%) Land $150,000 Building $123,300
2024	$2,913.00 (+21.22%)
2023	$2,403.00 Homeowner's exemption	$227,900 Land $130,000 Building $97,900	$227,900 Land $130,000 Building $97,900

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BROAD CREEK serves 26,033 people · EPA ID MD0020004
Water Source	Groundwater
Last State Inspection	Oct 2025
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 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

May also be available: Believe Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Riversedge Cir

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