975 Wharf Rd, Arnold, MD 21012 Property Records

Anne Arundel County property record for 975 Wharf Rd, Arnold, MD 21012

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,172 sqft · built 1955
Lot Size	0.672 acres (29,251 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Apr 2015)
Tax Bill	$5,039 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-749-23214800`

Property Details

APN / Parcel Number

Primary APN	`03-749-23214800`
Alternative APNs	`374923214800` `74923214800`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,172 sqft Living Area
Gross Area	4,276 sqft
1st Floor Area	2,088 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	29,251 sqft (0.672 acres)
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Breezeway
Porch Area	331 sqft
Deck Area	677 sqft
Breezeway	Breezeway
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	74923214800
Street Address	975 WHARF RD
City	ARNOLD
State	MD
Zip	21012-1734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LTS 5 6 SHORE ACRES
Legal Subdivision	SHORE ACRES
Legal Block	2
Legal Lot Number	5
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	2
Census Block	2001
Census Tract	731106

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	975 WHARF RD, ARNOLD, MD 21012-1734
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Aug 8, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2015 · Amount on Record
Deed Sale	Apr 22, 2015 · Amount on Record
Prior Sale	Dec 17, 2003 · Amount on Record
Deed Book / Page	28294 / 313
Transfer Doc	0000001706
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	975 WHARF RD, ARNOLD, MD 21012-1734
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	ATG TITLE INC ANNAPOLIS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0345070449
Date	Apr 30, 2020
Book Page	34507/449

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	975 WHARF RD, ARNOLD, MD 21012-1734
Document Number	0324200465
Instrument Date	Aug 8, 2018
Transaction Type	Mortgage
Record Updated	Sep 7, 2018
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	975 WHARF RD ARNOLD MD 210121734, ARNOLD, MD 21012-1734

Mortgage

Document Number	0324200465
Date	Aug 24, 2018
Book Page	032420/000465

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$630,567 (+35.69%)	$713,500 (+53.54%) Land $250,300 Building $463,200
2025	$5,039.00 (+18.18%)
2023	$4,264.00 Homeowner's exemption	$464,700 Land $250,300 Building $214,400	$464,700 Land $250,300 Building $214,400

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
Nearby Flood Policies	4 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	Direct burnable vegetation

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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