Anne Arundel County property record for 995 Round Top Dr, Annapolis, MD 21409
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,520 sqft · built 1969 |
| Lot Size | 0.215 acres (9,360 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $375,000 (Apr 2017) |
| Tax Bill | $4,704 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-165-15097850 |
| Primary APN | 03-165-15097850 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,520 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 480 sqft |
| Finished Basement | 480 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Split Foyer |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 9,360 sqft (0.215 acres) |
| Porch | Open Porch |
| Porch Area | 60 sqft |
| Deck Area | 156 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 16515097850 |
|---|---|
| Street Address | 995 ROUND TOP DR |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21409-4781 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LT 33 BK AL PL 9 CAPE ST CLAIRE |
| Legal Subdivision | CAPE ST CLAIRE |
| Legal Block | AL |
| Legal Lot Number | 33 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 731004 |
995 Round Top Dr is owned and occupied by two individuals who bought it in April 2017.
Source: Anne Arundel County records, as of October 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 995 ROUND TOP DR, ANNAPOLIS, MD 21409-4781 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 20, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 20, 2017 | Grant Deed, Transfer · VA Mortgage PHH HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2017 · Amount on File |
| Deed Sale | Apr 20, 2017 · Amount on File |
| Prior Sale | May 11, 2016 · Amount on File |
| Deed Document Number | 201730853-289 |
| Deed Book / Page | 30853 / 289 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 995 ROUND TOP DR, ANNAPOLIS, MD 21409-4781 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0362200060 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | 36220/60 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 318 Months |
| Due | Aug 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 995 ROUND TOP DR, ANNAPOLIS, MD 21409-4781 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0344640322 |
|---|---|
| Date | Apr 20, 2020 |
| Book Page | 34464/322 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | May 1, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Apr 20, 2017 |
| Property Address | 995 ROUND TOP DR, ANNAPOLIS, MD 21409-4781 |
| Document Number | 0308530289 |
| Book / Page | 030853 / 000289 |
| Instrument Date | Apr 14, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $375.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 995 ROUND TOP DR ANNAPOLIS MD 214094781, ANNAPOLIS, MD 21409-4781 |
| Document Number | 308530294 |
|---|---|
| Date | Apr 20, 2017 |
| Book Page | 030853/000294 |
| Name | PHH HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | VIENNA, VA 22182 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 19, 2047 |
The 2025 property tax bill for 995 Round Top Dr was $4,704 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 | $380,233 | $395,400 Land $241,000 Building $154,400 | |
| 2025 | $4,704.00 | ||
| 2023 | $3,755.00 | $343,867 | $349,900 Land $231,000 Building $118,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 995 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 995 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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