979 Breakwater Dr, Annapolis, MD 21403 Property Records

Anne Arundel County property record for 979 Breakwater Dr, Annapolis, MD 21403

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,373 sqft · built 1989
Lot Size	0.029 acres (1,240 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Jun 2021)
Tax Bill	$4,531 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-546-90054151`

Property Details

APN / Parcel Number

Primary APN	`06-546-90054151`
Alternative APNs	`654690054151` `54690054151`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,373 sqft Living Area
1st Floor Area	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,240 sqft (0.029 acres)
Porch	Open Porch
Porch Area	48 sqft
Patio Area	198 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	54690054151
Street Address	979 BREAKWATER DR
City	ANNAPOLIS
State	MD
Zip	21403-3492
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LT 4 BLDG N PH II PL MARINERS LANDING
Legal Subdivision	MARINERS LANDING
Legal Phase	2
Legal Block	2
Legal Lot Number	4
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1011
Census Tract	706304

Owner

979 Breakwater Dr, a townhouse, is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	979 BREAKWATER DR, ANNAPOLIS, MD 21403-3492
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2021 · Amount on File
Deed Sale	Jun 21, 2021 · Amount on File
Prior Sale	May 22, 2007 · Amount on File
Deed Book / Page	37023 / 289
Record Updated	Oct 29, 2026

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 21, 2021
Property Address	979 BREAKWATER DR, ANNAPOLIS, MD 21403-3492
Document Number	0370230289
Book / Page	37023 / 289
Map Reference	MB 106 FO 39&40
Instrument Date	May 7, 2021
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	NOT AVAILABLE, EAGLE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	979 BREAKWATER DR, ANNAPOLIS, MD 21403-3492

Mortgage

Document Number	37023298
Date	Jun 21, 2021
Instrument	37023/298

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 979 Breakwater Dr was $4,531 with a homeowner's exemption.

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Anne Arundel County
Municipality	Annapolis City
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$358,000 Land $185,000 Building $173,000	$358,000 Land $185,000 Building $173,000
2025	$4,531.00
2023	$4,039.00	$281,300 Land $130,000 Building $151,300	$281,300 Land $130,000 Building $151,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 979 Breakwater Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	26 units insured incl. 18 condo units
Nearby Flood Claims	1 (2020)
Most Recent Claim	Apr 2020 · other causes

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

Wildfire risk around 979 Breakwater Dr is low, with a 0.01% annual chance of 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	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	CITY OF ANNAPOLIS serves 35,000 people · EPA ID MD0020001
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	6 ppb (2021–2023) 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	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20