978 Forest Dr, Arnold, MD 21012 Property Records

Anne Arundel County property record for 978 Forest Dr, Arnold, MD 21012

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,758 sqft · built 1930
Lot Size	0.502 acres (21,850 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,272 (2024)
Deeds & Mortgages	Sep 2019 Mortgage Feb 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`03-749-32253250`

Property Details

APN / Parcel Number

Primary APN	`03-749-32253250`
Alternative APNs	`3-749-32253250` `74932253250`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,758 sqft Living Area
1st Floor Area	1,758 sqft
Utility Area	234 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	21,850 sqft (0.502 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	270 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	48 sqft
Deck Area	32 sqft
Shed	1 Shed
Shed Area	180 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	74932253250
Street Address	978 FOREST DR
City	ARNOLD
State	MD
Zip	21012-1721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 19 SHORE ACRES
Legal Subdivision	SHORE ACRES
Legal Block	1
Legal Lot Number	19
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	1
Census Block	1002
Census Tract	731107

Owner

Source: Anne Arundel County records, as of October 20, 2025

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	978 FOREST DR, ARNOLD, MD 21012-1721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2019	Deed of Trust, Mortgage WACHOVIA BANK NA
Feb 5, 2020	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	978 FOREST DR, ARNOLD, MD 21012-1721
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0335340275
Date	Sep 4, 2019
Book Page	33534/275

Lender

Name	WACHOVIA BANK NA
Type	Bank
Address	CHARLOTTE, NC 28288

Agreement

Amount	Amount Recorded
Term	172 Months
Due	Jan 6, 2034

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ANNE ARUNDEL MD
Property Address	978 FOREST DR, ARNOLD, MD 21012-1721
Document Number	0342990153
Instrument Date	Feb 5, 2020
Transaction Type	Mortgage
Record Updated	Apr 22, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 FOREST DR ARNOLD MD 210121721, ARNOLD, MD 21012-1721

Mortgage

Document Number	0342990153
Date	Mar 11, 2020
Book Page	034299/000153

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	408 Months
Due	Mar 10, 2054

Interest

Rate	3.87%

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of August 13, 2025

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
2025		$977,967 (+15.92%)	$1,145,500 (+28.1%) Land $836,200 Building $309,300
2024	$5,272.00 (+15.39%)
2023	$4,569.00 Homeowner's exemption	$843,667	$894,200 Land $643,100 Building $251,100

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	Sep 2003 · Hurricane Isabel

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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Forest Dr

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