Anne Arundel County property record for 982 Saint Margarets Dr, Annapolis, MD 21409
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,720 sqft · built 1971 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $358,000 (Sep 2019) |
| Tax Bill | $5,000 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Oct 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-165-26492612 |
| Primary APN | 03-165-26492612 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,720 sqft Living Area |
| 1st Floor Area | 1,013 sqft |
| Basement Area | 707 sqft |
| Finished Basement | 707 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Split Foyer |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 9,000 sqft (0.207 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 256 sqft |
| Deck Area | 288 sqft |
| Patio Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | 16526492612 |
|---|---|
| Street Address | 982 SAINT MARGARETS DR |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21409-4759 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LT 9 BK AK PL 9 CAPE ST CLAIRE |
| Legal Subdivision | CAPE ST CLAIRE |
| Legal Block | AK |
| Legal Lot Number | 9 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 731004 |
Source: Anne Arundel County records, as of October 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 982 SAINT MARGARETS DR, ANNAPOLIS, MD 21409-4759 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE |
| Oct 12, 2023 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Feb 13, 2023 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Sep 16, 2019 | Grant Deed, Transfer · FHA Mortgage CITI LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2019 · Amount on Record |
| Deed Sale | Sep 16, 2019 · Amount on Record |
| Prior Sale | Jul 8, 2014 · Amount on Record |
| Deed Book / Page | 33578 / 79 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Apr 29, 2026 |
| Property Address | 982 SAINT MARGARETS DR, ANNAPOLIS, MD 21409-4759 |
| Document Number | 0422970360 |
| Book / Page | 42297 / 360 |
| Instrument Date | Apr 10, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 982 SAINT MARGARETS DR, ANNAPOLIS, MD 21409-4759 |
| Document Number | 4229000360, |
|---|---|
| Date | Apr 29, 2026 |
| Book Page | 42297/360 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 1, 2066 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 982 SAINT MARGARETS DR, ANNAPOLIS, MD 21409-4759 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 982 SAINT MARGARETS DR, ANNAPOLIS, MD 21409-4759 |
| Document Number | 0399950449 |
|---|---|
| Date | Oct 12, 2023 |
| Book Page | 39995/449 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 310 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 982 SAINT MARGARETS DR, ANNAPOLIS, MD 21409-4759 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 982 SAINT MARGARETS DR, ANNAPOLIS, MD 21409-4759 |
| Document Number | 0394530106 |
|---|---|
| Date | Feb 13, 2023 |
| Book Page | 39453/106 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 318 Months |
| Due | Aug 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Sep 16, 2019 |
| Property Address | 982 SAINT MARGARETS DR, ANNAPOLIS, MD 21409-4759 |
| Document Number | 0335780079 |
| Book / Page | 033578 / 000079 |
| Instrument Date | Jul 8, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2019 |
| Title Company | INDEPENDENT TITLE AND ESCROW, INDEPENDENT TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $358.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 982 SAINT MARGARETS DR ANNAPOLIS MD 214094759, ANNAPOLIS, MD 21409-4759 |
| Document Number | 335780087 |
|---|---|
| Date | Sep 16, 2019 |
| Book Page | 033578/000087 |
| Name | CITI LNDG |
|---|---|
| Address | VIENNA, VA 22182 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 15, 2049 |
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 | $402,033 (+4.43%) | $419,100 (-) Land $240,000 Building $179,100 | |
| 2025 | $5,000.00 (+27.32%) | $384,967 (+7.03%) | $419,100 (+13.92%) Land $240,000 Building $179,100 |
| 2023 | $3,927.00 | $359,667 | $367,900 Land $230,000 Building $137,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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