979 Wharf Rd, Arnold, MD 21012 Property Records

Anne Arundel County property record for 979 Wharf Rd, Arnold, MD 21012

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,188 sqft · built 1995
Lot Size	0.258 acres (11,251 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Oct 2006)
Tax Bill	$4,511 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-749-90045553`

Property Details

APN / Parcel Number

Primary APN	`03-749-90045553`
Alternative APNs	`3-749-90045553` `74990045553`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Living Area
Gross Area	1,332 sqft
1st Floor Area	1,188 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,251 sqft (0.258 acres)
Deck Area	72 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	74990045553
Street Address	979 WHARF RD
City	ARNOLD
State	MD
Zip	21012-1734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 7 RESUB SHORE ACRES
Legal Subdivision	SHORE ACRES
Legal Block	2
Legal Lot Number	7
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	979 WHARF RD, ARNOLD, MD 21012-1734
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Mar 30, 2026	Intrafamily Transfer, Transfer · Line of Credit AMERISAVE MORTGAGE CORP
Apr 27, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Aug 18, 2017	Deed of Trust, Mortgage · FHA Mortgage FELLOWSHIP HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2006 · Amount on Record
Deed Sale	Oct 10, 2006 · Amount on Record
Prior Sale	Jul 19, 2002 · Amount on Record
Deed Document Number	200613225
Deed Book / Page	18350 / 512
Last Transfer Date	Mar 18, 2026
Transfer Doc	4220000405
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	979 WHARF RD, ARNOLD, MD 21012-1734
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	979 WHARF RD, ARNOLD, MD 21012-1734

Mortgage

Document Number	0373700312
Date	Aug 14, 2021
Book Page	37370/312

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 30, 2026
Property Address	979 WHARF RD, ARNOLD, MD 21012-1734
Document Number	0422060405
Book / Page	42206 / 405
Map Reference	MB 23 FO 12
Instrument Date	Mar 18, 2026
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	2020 TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	979 WHARF RD, ARNOLD, MD 21012-1734

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	979 WHARF RD, ARNOLD, MD 21012-1734

Mortgage

Document Number	0042206410
Date	Mar 30, 2026
Instrument	42206/410

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	979 WHARF RD, ARNOLD, MD 21012-1734
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0344900190
Date	Apr 27, 2020
Book Page	34490/190

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	979 WHARF RD, ARNOLD, MD 21012-1734
Document Number	0312970270
Book / Page	031297 / 000270
Instrument Date	Aug 18, 2017
Transaction Type	Mortgage
Record Updated	Oct 30, 2017
Title Company	QUICK CLOSE SERVICES INC, QUICK CLOSE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	979 WHARF RD ARNOLD MD 210121734, ARNOLD, MD 21012-1734

Mortgage

Document Number	0312970270
Date	Aug 29, 2017
Book Page	031297/000270

Lender

Name	FELLOWSHIP HM LOANS
Address	JERICHO, NJ 11753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

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		$412,967 (+6.04%)	$436,500 (-) Land $221,700 Building $214,800
2025	$4,511.00 (+2.17%) Homeowner's exemption	$389,433 (+6.43%)	$436,500 (+19.29%) Land $221,700 Building $214,800
2024	$4,415.00 (+16.95%)
2023	$3,775.00 Homeowner's exemption	$365,900 Land $221,700 Building $144,200	$365,900 Land $221,700 Building $144,200

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 AE, within 500 ft
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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