98 Otis Dr, Severn, MD 21144 Property Records

Anne Arundel County property record for 98 Otis Dr, Severn, MD 21144

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,900 sqft · built 1973
Lot Size	0.34 acres (14,800 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Oct 1988)
Tax Bill	$3,218 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-495-06246890`

Property Details

APN / Parcel Number

Primary APN	`04-495-06246890`
Alternative APNs	`449506246890` `49506246890`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,900 sqft Living Area
Gross Area	2,550 sqft
1st Floor Area	1,120 sqft
Basement Area	780 sqft
Finished Basement	780 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,800 sqft (0.34 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Pool Area	576 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	49506246890
Street Address	98 OTIS DR
City	SEVERN
State	MD
Zip	21144-1128
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LT 1 BK A MUNSON HEIGHTS
Legal Subdivision	MUNSON HEIGHTS
Legal Block	A
Legal Lot Number	1
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	2
Census Block Group	2
Census Block	2041
Census Tract	751400

Owner

98 Otis Dr is owned and occupied by two individuals who bought it in October 1988.

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

Owner of Record	2 Individual Names on File
Mailing Address	98 OTIS DR, SEVERN, MD 21144-1128
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 1988 · Amount on File
Deed Sale	Oct 7, 1988 · Amount on File
Deed Book / Page	4712 / 550
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	98 OTIS DR, SEVERN, MD 21144-1128
Document Number	0344700244
Instrument Date	Apr 11, 2020
Transaction Type	Mortgage
Record Updated	May 12, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	98 OTIS DR SEVERN MD 211441128, SEVERN, MD 21144-1128

Mortgage

Document Number	0344700244
Date	Apr 22, 2020
Book Page	034470/000244

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	984 Months

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 98 Otis Dr was $3,218 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
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$405,467	$447,000 Land $199,300 Building $247,700
2025	$3,218.00
2023	$2,573.00 Homeowner's exemption	$349,900	$384,700 Land $184,300 Building $200,400

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

Flood

FEMA maps place 98 Otis Dr in Zone X, an area of minimal flood risk.

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	7 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

Wildfire risk around 98 Otis Dr is low, with less than 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 99.1% of the US · lower than 98.5% 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	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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Believe Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20