Anne Arundel County property record for 981 Round Top Dr, Annapolis, MD 21409
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,149 sqft · built 1987 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $395,000 (Aug 2014) |
| Tax Bill | $5,249 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Feb 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-165-90001589 |
| Primary APN | 03-165-90001589 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,149 sqft Living Area |
| Gross Area | 2,447 sqft |
| 1st Floor Area | 966 sqft |
| Basement Area | 507 sqft |
| Finished Basement | 507 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Conventional |
| Roof Material | Composition Shingle |
| Lot Area | 9,000 sqft (0.207 acres) |
| Garage Type | Attached |
| Garage Area | 298 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 264 sqft |
| Deck Area | 350 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Account Number | 16590001589 |
|---|---|
| Street Address | 981 ROUND TOP DR |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21409-4706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LT 2 BK AK PL 9 CAPE ST CLAIRE |
| Legal Subdivision | CAPE ST CLAIRE |
| Legal Block | AK |
| Legal Lot Number | 2 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 731004 |
981 Round Top Dr is owned and occupied by two individuals who bought it in August 2014.
Source: Anne Arundel County records, as of October 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 981 ROUND TOP DR, ANNAPOLIS, MD 21409-4706 |
| 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 |
|---|---|
| Sep 15, 2026 | Deed of Trust, Mortgage · Line of Credit PNC BANK |
| Feb 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Jun 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PNC MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2014 · Amount on File |
| Deed Sale | Aug 4, 2014 · Amount on File |
| Prior Sale | Oct 19, 2006 · Amount on File |
| Deed Book / Page | 27505 / 100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Sep 15, 2026 |
| Property Address | 981 ROUND TOP DR, ANNAPOLIS, MD 21409-4706 |
| Document Number | 4270000352 |
| Book / Page | 42704 / 352 |
| Instrument Date | Aug 28, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 981 ROUND TOP DR, ANNAPOLIS, MD 21409-4706 |
| Document Number | 4270000352, |
|---|---|
| Date | Sep 15, 2026 |
| Book Page | 42704/352 |
| Name | PNC BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Sep 17, 2066 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 981 ROUND TOP DR, ANNAPOLIS, MD 21409-4706 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|
| Document Number | 0383790465 |
|---|---|
| Date | Feb 18, 2022 |
| Book Page | 38379/465 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 981 ROUND TOP DR, ANNAPOLIS, MD 21409-4706 |
| Document Number | 0311210059 |
| Book / Page | 031121 / 000059 |
| Instrument Date | Jun 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 981 ROUND TOP DR ANNAPOLIS MD 214094706, ANNAPOLIS, MD 21409-4706 |
| Document Number | 0311210059 |
|---|---|
| Date | Jul 3, 2017 |
| Book Page | 031121/000059 |
| Name | PNC MTG |
|---|---|
| Type | Mortgage Company |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 2, 2047 |
The 2025 property tax bill for 981 Round Top Dr was $5,249 with a homeowner's exemption.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $496,900 (+5.3%) | $521,900 (-) Land $240,000 Building $281,900 | |
| 2025 | $5,249.00 Homeowner's exemption | $471,900 | $521,900 Land $240,000 Building $281,900 |
| 2023 | $4,264.00 Homeowner's exemption | $440,233 | $446,900 Land $230,000 Building $216,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 981 Round Top Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.
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 | 1 in force |
| Nearby Flood Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2010 · rainfall accumulation |
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 risk around 981 Round Top 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 | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 599 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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