Anne Arundel County property record for 98 Conduit St, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,636 sqft · built 1908 |
| Lot Size | 0.067 acres (2,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $197,000 (May 1993) |
| Tax Bill | $9,397 (2025) |
| Deeds & Mortgages | Feb 2017 Construction Loan Feb 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-05668510 |
| Primary APN | 06-000-05668510 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,636 sqft Living Area |
| 1st Floor Area | 898 sqft |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 2,900 sqft (0.067 acres) |
| Porch | Open Porch |
| Porch Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00005668510 |
|---|---|
| Street Address | 98 CONDUIT ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-2602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 1 |
| Legal Lot Number | 98 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 706102 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Colonial Annapolis Historic District listed 1966 · National Historic Landmark (designated 1965) · NRIS 66000383 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
98 Conduit St is owned and occupied by two individuals who bought it in May 1993.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 98 CONDUIT ST, ANNAPOLIS, MD 21401-2602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 6, 2017 | Deed of Trust, Mortgage · Construction Mortgage SEVERN SAVINGS BANK FSB |
| Feb 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SEVERN SAVINGS BANK FSB |
| Apr 19, 2018 | Deed of Trust, Mortgage · Commercial Mortgage SEVERN SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 1993 · Amount on File |
| Deed Sale | May 5, 1993 · Amount on File |
| Prior Sale | Sep 3, 1987 · Amount on File |
| Deed Book / Page | 6033 / 56 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 98 CONDUIT ST, ANNAPOLIS, MD 21401-2602 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PROGRESSIVE TITLE CORP |
| Name | Verified Name |
|---|
| Document Number | 0306130085 |
|---|---|
| Date | Feb 6, 2017 |
| Book Page | 30613/085 |
| Instrument | 30613-085 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | ANNAPOLIS, MD 21401 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Feb 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Feb 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 6.25% |
| Index | 1-Year CMT |
| Max Rate | 10.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 98 CONDUIT ST, ANNAPOLIS, MD 21401-2602 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PROGRESSIVE TITLE CORP |
| Name | Verified Name |
|---|
| Document Number | 0318730197 |
|---|---|
| Date | Feb 27, 2018 |
| Book Page | 31873/197 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | ANNAPOLIS, MD 21401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 98 CONDUIT ST, ANNAPOLIS, MD 21401-2602 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0320250210 |
|---|---|
| Date | Apr 19, 2018 |
| Book Page | 32025/210 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | ANNAPOLIS, MD 21401 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 98 Conduit St was $9,397 with a homeowner's exemption.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Municipality | Annapolis City |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $923,500 Land $778,500 Building $145,000 | $923,500 Land $778,500 Building $145,000 | |
| 2025 | $9,397.00 | ||
| 2023 | $8,182.00 Homeowner's exemption | $721,800 Land $626,100 Building $95,700 | $721,800 Land $626,100 Building $95,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 Conduit St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Flood Insurance Cost | Premium on File median of 37 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 43 units insured incl. 6 condo units |
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.
The area around 98 Conduit St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 880 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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