977 Fall Circle Way, Gambrills, MD 21054 Property Records

Anne Arundel County property record for 977 Fall Circle Way, Gambrills, MD 21054

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,932 sqft · built 1971
Lot Size	0.154 acres (6,713 sqft)
Owner	2 Individual Names on Record
Last Sale	$482,000 (Jun 2026)
Tax Bill	$4,300 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-295-04751400`

Property Details

APN / Parcel Number

Primary APN	`04-295-04751400`
Alternative APNs	`4-295-04751400` `29504751400`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,932 sqft Living Area
1st Floor Area	982 sqft
Basement Area	950 sqft
Finished Basement	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,713 sqft (0.154 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	108 sqft
Patio Area	456 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	29504751400
Street Address	977 FALL CIRCLE WAY
City	GAMBRILLS
State	MD
Zip	21054-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 8 BK E SC 8 FOUR SEASONS ESTATES
Legal Subdivision	FOUR SEASONS ESTATES
Legal Block	E
Legal Lot Number	8
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	4
Census Block Group	3
Census Block	3006
Census Tract	740800

Owner

Source: Anne Arundel County records, as of September 16, 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	977 FALL CIRCLE WAY, GAMBRILLS, MD 21054-1440
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed, Transfer · Conventional Mortgage TOWER FEDERAL CREDIT UNION
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESPIRE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Jul 13, 2015 · Amount on Record
Deed Document Number	2026
Deed Book / Page	42464 / 233
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 22, 2026
Property Address	977 FALL CIRCLE WAY, GAMBRILLS, MD 21054-1440
Document Number	4246000233
Book / Page	42464 / 233
Instrument Date	Jun 5, 2026
Transaction Type	Transfer
Record Updated	Sep 16, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$486,820.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	4246000242,
Date	Jun 22, 2026
Book Page	42464/242

Lender

Name	TOWER FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	977 FALL CIRCLE WAY, GAMBRILLS, MD 21054-1440
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	CLOSELINE SETTLEMENTS LLC, CLOSELINE SETTLEMENTS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 FALL CIRCLE WAY, GAMBRILLS, MD 21054-1440

Mortgage

Document Number	0379330424
Date	Nov 18, 2021
Book Page	37933/424

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company
Address	GAITHERSBURG, MD 20878

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

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		$408,233 (+6.64%)	$459,100 (+19.93%) Land $279,400 Building $179,700
2025	$4,300.00 (+2.04%) Homeowner's exemption	$382,800 (+9.48%) Land $218,100 Building $164,700	$382,800 (-) Land $218,100 Building $164,700
2024	$4,214.00 (+16.44%)
2023	$3,619.00 Homeowner's exemption	$349,667	$382,800 Land $218,100 Building $164,700

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	3 in force
Nearby Flood Claims	2 (2011–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2018 · rainfall accumulation

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 97% of the US · lower than 94% 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.

Drinking Water

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

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 415 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fiber	980 / 880

May also be available: Believe Broadband.

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