Anne Arundel County closing costs
The county-specific transfer tax and deed recording fees for Anne Arundel County, Maryland - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 1.5%
- ≈ $6,000 on a $400,000 home
- Typical lender + 3rd-party fees
- $9,316
- median of 5,978 purchase loans · HMDA 2023
Anne Arundel County compared with Maryland counties
In the verified Maryland county records we have, Anne Arundel County's effective transfer-tax rate ranks #3 of 4 by highest rate. At $400,000, the county-specific transfer tax is $6,000, which is $4,000 above the state-level calculation before city surtaxes.
- County rank
- #3 of 4
- within verified Maryland county pages
- Tax at $400,000
- $6,000
- state baseline $2,000
- HMDA fee sample
- 5,978
- purchase loans in 2023
Anne Arundel County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Anne Arundel County
Anne Arundel County levies its own county transfer tax: 1.0% (0.01) on consideration up to $999,999.99 and 1.5% (0.015) on transactions of $1,000,000 or more. This is ON TOP OF the Maryland state transfer tax of 0.5% (state, not county) and the state recordation tax of $7.00 per $1,000 of consideration rounded up to the nearest $500. The county transfer tax is customarily paid by the seller but is negotiable and often split. First-time MD homebuyers are exempt from 1/4% of the STATE transfer tax (a state provision, not county). City of Annapolis levies no separate municipal transfer tax.
Recording fees in Anne Arundel County
Deed recording: $20 for an instrument 9 pages or fewer that involves solely a principal residence; $75 for any other instrument 10 pages or more (and for instruments over 9 pages not solely a principal residence); $10 for a release 9 pages or fewer. PLUS a $40 surcharge assessed on all instruments (except Powers of Attorney and plats). Copies $0.50/page; certification +$5/document. (Source: Clerk of the Circuit Court for Anne Arundel County, Land Records Department.)
Official recorder: Anne Arundel County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Anne Arundel County
Across 5,978 home-purchase mortgages originated in Anne Arundel County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $9,316, of which about $4,260 was the lender’s own origination charges. That is reported loan-level data from every lender under the Home Mortgage Disclosure Act — not a national average — so it reflects what buyers in this county actually paid. Lender fees vary widely, so comparing a few rate quotes is the single biggest lever on your closing total.
Source: FFIEC HMDA Data Browser ↗ (2023 purchase originations, FIPS 24003, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Anne Arundel County closing costs
Pre-set to Maryland. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Anne Arundel County?
Anne Arundel County (Maryland): the applicable real-estate transfer tax works out to about 1.5%. Anne Arundel County levies its own county transfer tax: 1.0% (0.01) on consideration up to $999,999.99 and 1.5% (0.015) on transactions of $1,000,000 or more. This is ON TOP OF the Maryland state transfer tax of 0.5% (state, not county) and the state recordation tax of $7.00 per $1,000 of consideration rounded up to the nearest $500. The county transfer tax is customarily paid by the seller but is negotiable and often split. First-time MD homebuyers are exempt from 1/4% of the STATE transfer tax (a state provision, not county). City of Annapolis levies no separate municipal transfer tax.
What are recording fees in Anne Arundel County?
Deed recording: $20 for an instrument 9 pages or fewer that involves solely a principal residence; $75 for any other instrument 10 pages or more (and for instruments over 9 pages not solely a principal residence); $10 for a release 9 pages or fewer. PLUS a $40 surcharge assessed on all instruments (except Powers of Attorney and plats). Copies $0.50/page; certification +$5/document. (Source: Clerk of the Circuit Court for Anne Arundel County, Land Records Department.)
How much are closing costs in Anne Arundel County?
Closing costs in Anne Arundel County follow Maryland's structure plus this county's specific transfer-tax and recording fees. Use the calculator below for an estimate; for the exact recording schedule, the county recorder is the authoritative source.
What do lenders charge in fees in Anne Arundel County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 5,978 home-purchase mortgages in Anne Arundel County were about $9,316, of which roughly $4,260 was the lender's own origination charges. This is reported loan-level data under the Home Mortgage Disclosure Act; actual fees vary by lender, so comparing quotes matters.
Closest Maryland county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.