995 Westway, Annapolis, MD 21409 Property Records

Anne Arundel County property record for 995 Westway, Annapolis, MD 21409

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,800 sqft · built 1989
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on File
Last Sale	$38,000 (Nov 1988)
Tax Bill	$4,352 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-165-22698000`

Property Details

APN / Parcel Number

Primary APN	`03-165-22698000`
Alternative APNs	`316522698000` `16522698000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,800 sqft Living Area
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,500 sqft (0.241 acres)
Deck Area	680 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	16522698000
Street Address	995 WESTWAY
City	ANNAPOLIS
State	MD
Zip	21409-5136
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LT 15 BK III PL 7 CAPE ST CLAIRE
Legal Subdivision	CAPE ST CLAIRE
Legal Block	III
Legal Lot Number	15
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	5
Census Block Group	2
Census Block	2017
Census Tract	731003

Owner

995 Westway is owned and occupied by two individuals who bought it in November 1988.

Source: Anne Arundel County records, as of September 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	995 WESTWAY, ANNAPOLIS, MD 21409-5136
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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	Nov 2, 1988 · Amount on File
Deed Sale	Nov 2, 1988 · Amount on File
Deed Book / Page	4729 / 73
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	995 WESTWAY, ANNAPOLIS, MD 21409-5136
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0318560074
Date	Feb 21, 2018
Book Page	31856/074

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 995 Westway was $4,352 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		$527,100	$554,200 Land $244,500 Building $309,700
2025	$4,352.00
2023	$3,398.00 Homeowner's exemption	$465,633	$472,900 Land $234,500 Building $238,400

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

Flood

FEMA maps place 995 Westway in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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	8 in force
Nearby Flood Claims	3 (1978–2003)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims

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 995 Westway 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 568 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 · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20