Anne Arundel County Property Tax: Pay, Search & Check Due Dates
Anne Arundel County property tax involves two government systems. The Maryland Department of Assessments and Taxation, or SDAT, maintains ownership and assessment information. The Anne Arundel County Office of Finance generates the real estate tax bill, collects payment and handles county billing questions.
For FY2027, the county says the main payment deadline is September 30, 2026. Before paying, search the live real estate account, confirm the twelve-digit parcel ID, check whether the property is inside Annapolis or Highland Beach, review Homestead and other credits, and verify whether mortgage escrow already paid.
Quick Answer: How Anne Arundel County Property Tax Works
Use Anne Arundel County Office of Finance for real estate tax bills, payments, balances, receipts, refunds and delinquent tax questions. Use Maryland SDAT for ownership, assessed value, property characteristics, Homestead eligibility and assessment appeals.
The county’s fiscal year runs from July 1 through June 30. FY2027 covers July 1, 2026 through June 30, 2027.
Annapolis and Highland Beach are different. Property inside the City of Annapolis or Town of Highland Beach has a different combination of county, state and municipal property-tax rates. Do not estimate those bills using the unincorporated Anne Arundel County total.
If the problem is value or ownership, start with SDAT. If the problem is the bill or payment, start with Anne Arundel County Finance.
Which Office Handles Your Anne Arundel Property Tax Task?
Real estate tax bills, balances, payment methods, receipts, refunds, semiannual payments and delinquent tax collection.
Ownership, mailing address, assessed value, property characteristics, Homestead status and first-level assessment appeals.
Anne Arundel County-specific credits such as certain veteran, public safety, conservation, deferral and other local programs.
State-administered income-based property tax relief plus the Anne Arundel County supplemental credit.
Assessment disputes follow Maryland’s formal appeal ladder rather than the county payment office.
Past-due tax-sale notices, payoff questions and tax-lien redemption issues.
Do not ask Paymentus to correct an assessed value, and do not ask SDAT to reverse a card-payment transaction. Match the issue to the office first.
How to Search an Anne Arundel County Property Tax Bill
The county Real Estate Billing system accepts either a parcel/account identifier or an address search. The county’s instructions say to use either the parcel ID or the house number and street name.
- Open the county’s Real Estate Billing instructions.
- Enter the Parcel ID/account number or supported address fields.
- Confirm the property address and twelve-digit parcel.
- Open the FY2027 bill.
- Review credits, payment status, balance and installment schedule.
- Only select the payment option after the account matches.
County bill search vs Maryland SDAT search
Best for tax bills, payment status, installments, balances and online payment.
Best for ownership, mailing address, assessment, property characteristics and Homestead application status.
- Open Maryland SDAT Real Property Search.
- Select Anne Arundel County.
- Search using the available property criteria.
- Check ownership, assessment and mailing information.
- Scroll to the Homestead section if the property is your principal residence.
Use SDAT to understand why the taxable assessment looks the way it does, then use the county billing system to see what is actually due.
Anne Arundel County Property Tax Rates for FY2027
FY2027 runs from July 1, 2026 through June 30, 2027. Rates are stated per $100 of taxable assessment.
*The county-only location shown here means Anne Arundel County excluding the City of Annapolis and Town of Highland Beach.
Do not multiply market value blindly. Your tax calculation uses the applicable assessed/taxable value, local Homestead limitation and credits. Special charges on the bill can also sit outside the ordinary county real-property-tax calculation.
Simple FY2027 example outside Annapolis and Highland Beach
$400,000 ÷ 100 × $1.08000 = $4,320 before property-specific credits or additional charges.
A qualifying Homestead credit, Homeowners’ Credit, county credit, special assessment or another bill item can change the actual total.
- Open Anne Arundel County’s Current Tax Rates page.
- Choose Real Property.
- Identify whether the property is in Anne Arundel County, Annapolis or Highland Beach.
- Use the rate for the same fiscal year shown on the bill.
Two Anne Arundel County addresses with the same assessment can have different tax totals when one is inside Annapolis or Highland Beach.
Anne Arundel County Property Tax Due Dates
Real property taxes are due and payable as of the beginning of the fiscal year.
Annual payment is due. It is also the first installment deadline for eligible semiannual accounts.
For taxes not covered by the later semiannual installment, county guidance says interest and penalties begin October 1.
Eligible owner-occupied residential accounts can pay the second half by this date.
Filing a complete HTC-1 by this date helps qualifying credit appear on the July tax bill.
The 2026 Maryland HTC-1 application filing deadline is October 1.
Do not confuse due date with delinquency or credit deadlines. The FY2027 bill payment deadline and Maryland tax-credit application deadlines solve different problems.
If September 30 is approaching, check the live account, payment method processing time and escrow status rather than waiting for a corrected paper bill.
Who Can Pay Anne Arundel Property Tax Semiannually?
Owner-occupied principal residences can generally use Maryland’s semiannual real-property-tax payment option. The county divides the bill into two installments.
One half of the eligible tax bill is paid with the first installment.
The remaining balance is due with a service charge.
The FY2027 county information lists the second-installment service charge as 0.87% of the balance. Paying the full annual amount by September 30 avoids that second-installment service charge.
Escrow borrower: if your mortgage company controls payment timing, do not change annual/semiannual treatment without checking the lender’s instructions. County guidance says escrow taxpayers choosing annual payment must notify the lender by May 1.
Compare the convenience of splitting the bill with the 0.87% second-installment service charge before choosing the semiannual option.
How to Pay Anne Arundel County Property Tax
Anne Arundel County supports online, phone, mail, drop-box, bank-bill-pay and in-person payment routes. The cheapest method is not always the fastest, so compare fees and processing time before the deadline.
Processor and banking rules can change. Review the fee shown before final authorization.
- Use the county Real Estate Billing system.
- Search and select the correct parcel.
- Open the FY2027 bill.
- Select Pay Bill only after verifying the amount.
- Review the Paymentus fee before authorization.
- Save the receipt and confirmation email.
Pay by phone: the county currently lists 1-833-277-8723. Have the real estate parcel number and payment information ready. Convenience fees apply.
A $5,000 tax payment by card at 2.39% creates a $119.50 convenience fee. Compare eCheck, bank bill pay, check or money order before using a card.
Pay Anne Arundel County Property Tax by Mail
The county instructs taxpayers to include the bill payment stub and pay by check or money order. Do not send cash through the mail.
PO Box 17003
Baltimore, MD 21297-1003
MS 1103
44 Calvert Street, Room 110
Annapolis, MD 21401
Use the stub from the correct fiscal-year bill.
Use that payee on the check or money order.
Check the live account immediately before mailing.
Save a check copy, tracking record or other evidence.
Do not assume a postmark rule. The county expressly says tax-sale redemption payments sent by mail are processed by received date and that postmark dates cannot be honored. For an ordinary current-year payment near September 30, use the live county instructions or a payment method that gives you clear timely confirmation.
If the deadline is close, mailing creates more uncertainty than an immediate electronic confirmation or an approved in-person payment.
Anne Arundel County Property Tax Credits & Exemptions
Maryland and Anne Arundel County use several types of property-tax relief. The most important homeowner programs are not all traditional “exemptions.” Some limit taxable assessment growth while others reduce the actual tax bill.
Limits annual taxable-assessment growth on an eligible principal residence. Anne Arundel County’s current county limit is 2%.
Available to qualifying homeowners whose property tax burden exceeds limits based on household income.
Anne Arundel participates in a county supplemental Homeowners’ Credit administered through Maryland SDAT.
Anne Arundel offers county credits for certain qualifying disabled veterans and surviving spouses.
County rules provide a separate credit for qualifying retired veterans, including age and military-retirement conditions.
Certain long-term resident homeowners who meet age, disability and income conditions may review the county payment-deferral program.
2026 Maryland Homeowners’ Property Tax Credit
Combined gross household income cannot exceed $60,000.
Generally must be below $200,000, excluding the qualifying home and specified retirement savings.
A properly completed application received by April 15, 2026 can allow the credit to appear on the July bill when processing is completed in time.
The 2026 HTC-1 deadline is October 1, 2026.
- Open the Maryland Homeowners’ Property Tax Credit page.
- Review principal-residence, income and net-worth requirements.
- Gather the complete 2025 household-income documentation requested for the 2026 application.
- File online or submit Form HTC-1 by October 1, 2026.
- If the July bill has already been paid, follow SDAT’s credit/refund processing instructions rather than withholding the bill.
Check Homestead status
- Open Maryland SDAT Real Property Search.
- Find the Anne Arundel County property.
- Scroll to the Homestead Application Status field.
- If the status says Approved or Application Received, SDAT says no further action is required at that time.
- If it says No Application and the home is your principal residence, use the official Homestead application route.
Anne Arundel County publishes separate forms and deadlines for disabled veterans, retired veterans, public-safety-related credits, conservation land, deferral and other local programs.
Anne Arundel Tax Credits & ExemptionsCounty credits do not necessarily reduce every bill line. Anne Arundel states that county property-tax credits do not apply to items such as Maryland state property tax, City of Annapolis tax, Solid Waste service charge or Waterway Protection and Restoration Fund fee.
Before assuming your bill is wrong, check whether the expected credit should apply to the county tax only or to other charges as well.
How to Appeal an Anne Arundel County Property Assessment
Assessment appeals are handled through Maryland SDAT, not the Anne Arundel County payment office. The appeal should focus on property value or assessment facts, not simply on the size of the tax bill.
Recent buyer rule: Maryland also allows an appeal upon purchase in certain cases when property transfers after January 1 but before July 1. The new owner generally has 60 days from transfer to file that purchase appeal.
- Open the SDAT Assessment Appeal Process page.
- Match your situation to reassessment, petition for review or appeal upon purchase.
- Check the exact deadline.
- Use the assessment notice control number when filing online if applicable.
- Save the filing confirmation and hearing notice.
Appeal the value because the market value or property record is wrong—not because the tax bill feels expensive.
Mortgage Escrow and Anne Arundel County Property Tax
A lender may collect estimated property taxes with the monthly mortgage payment and later send the tax payment to Anne Arundel County. Receiving a paper tax bill does not prove the lender failed to pay.
Confirm property tax is included in escrow.
Look for a posted lender or servicer payment.
Make sure the escrowed property matches the county bill.
Annual versus semiannual treatment can affect lender timing.
Avoid duplicate payment. Do not pay personally until you know whether the mortgage servicer has already transmitted or scheduled the FY2027 payment.
Escrow money leaving your mortgage account is not the final proof. The county’s posted payment record is the better confirmation.
New Anne Arundel County Homeowner Checklist
Check whether the recorded owner and mailing address have updated.
Confirm FY2027 balance and payment history.
Tax prorations at closing are not the same as a payment posted to the county.
Confirm which party will pay the next installment.
A prior owner’s Homestead eligibility does not automatically establish yours.
Maryland’s triennial reassessment and ownership-change rules can affect taxable value.
Missing bill? Anne Arundel County mails the real property tax bill using the address maintained by Maryland SDAT. If the address is wrong after a move or purchase, correct the SDAT record instead of waiting for another bill.
Ownership records, Homestead status, mortgage escrow and the county tax account should all be checked separately after closing.
Duplicate Payment, Overpayment or Property Tax Refund
A duplicate escrow payment, corrected assessment, approved credit or other adjustment can create a possible property-tax refund. Anne Arundel County publishes a Real Property Tax Refund Policy and a general refund request form.
Keep the old bill, revised bill, both payment records and any SDAT credit or assessment decision until the refund is complete.
Late Taxes, Interest and Anne Arundel County Tax Sale
For annual real-property taxes, county guidance states that unpaid taxes become overdue and in arrears on October 1. Interest and penalties accrue at 1% per month or any fraction of a month until paid.
Tax sale does not mean the county immediately sells your house. Anne Arundel County’s annual auction sells a first-lien tax certificate. The property owner retains ownership after the lien sale unless later legal foreclosure steps occur.
Anne Arundel County holds its tax sale once each year on a date in May or June set by the Controller. The 2026 sale occurred June 3, 2026. Do not assume that date applies to a future delinquent FY2027 bill; use the notice issued for that year’s sale.
Tax Sale Division: 410-222-1735
Email: taxsale@aacounty.org
Limited-income homeowner? Maryland’s Homeowner Protection Program may help eligible principal-residence owners keep a home out of tax sale for a period while receiving assistance with delinquent taxes. Enrollment is limited and eligibility does not guarantee acceptance.
Maryland Homeowner Protection ProgramIf you receive a tax-sale notice, stop using general estimates and obtain the current payoff and deadline directly from the Tax Sale Division.
Common Anne Arundel County Property Tax Problems
Possible cause: wrong address format, parcel number, ownership update or wrong database.
Next step: confirm the parcel in SDAT, then retry county billing search.
Possible cause: outdated SDAT mailing address.
Next step: search the county bill online and correct the mailing record with SDAT.
Possible cause: processing delay, wrong parcel, returned payment or servicer timing.
Next step: use the confirmation number and contact County Finance.
Possible cause: reassessment, property-record error or market-value disagreement.
Next step: use SDAT’s assessment appeal process.
Possible cause: no application, ownership change or eligibility issue.
Next step: check Homestead Application Status in SDAT.
Possible cause: payment is pending, wrong parcel or servicer error.
Next step: compare county payment history with the escrow statement.
When calling, have the twelve-digit parcel ID, property address, fiscal year and any payment confirmation ready. Those details make it easier to route the problem correctly.
Anne Arundel County Property Tax Contact Information
44 Calvert Street, Room 110
Annapolis, MD 21401
General: 410-222-1144
Real Property Tax Division: 410-222-1736
Tax Credit Division: 410-222-1748
Tax Sale Division: 410-222-1735
45 Calvert Street, 3rd Floor
Annapolis, MD 21401
Phone: 410-974-5709
Email: sdat.aa@maryland.gov
Current in-person notice: the county says the Glen Burnie cashier is temporarily closed for construction. Current county guidance directs in-person taxpayers to the Annapolis cashier locations at Arundel Center, 44 Calvert Street, or Heritage Complex, 2664 Riva Road, generally between 8:00 a.m. and 4:00 p.m. Check the county page before traveling because office access can change.
For routine bill/payment questions, start with 410-222-1144. For assessed value or ownership, call SDAT at 410-974-5709 instead.
Anne Arundel County Property Tax Terms
- Parcel ID
- The county real-estate billing identifier. The online system displays the property as a twelve-digit Parcel ID.
- Assessed Value
- The SDAT value used with tax rates and applicable credits to determine property-tax liability.
- Homestead Tax Credit
- A Maryland principal-residence credit that limits annual growth in taxable assessment. Anne Arundel County currently uses a 2% county limit.
- Homeowners’ Tax Credit
- An income-based Maryland program that limits qualifying property-tax burden according to household-income rules.
- Semiannual Payment
- An owner-occupied residential payment option dividing eligible real-property tax into September and December installments.
- Tax Sale Lien
- A first lien sold at the county’s annual tax sale for qualifying delinquent property. The tax lien certificate—not the home itself—is sold at the auction.
Use “Parcel ID” when searching Anne Arundel’s billing system and keep it separate from other numbers on a mortgage statement or SDAT record.
Official Anne Arundel County & Maryland Property Tax Links
Do not enter payment or sensitive application data until the browser address is an official Anne Arundel County or Maryland government route linked above.
Anne Arundel County Property Tax FAQs
When is Anne Arundel County property tax due for FY2027?
The county states that the FY2027 real property tax payment deadline is September 30, 2026. Eligible owner-occupied principal residences may use the semiannual option, with the second installment due December 31.
How can I search my Anne Arundel County property tax bill?
Use the county Real Estate Billing system. Search with the parcel ID/account number, or use the house number and street name. Verify the twelve-digit Parcel ID, address, FY2027 bill and current payment status before paying.
What is the FY2027 Anne Arundel County property tax rate?
Outside the City of Annapolis and Town of Highland Beach, the county’s FY2027 real-property rate is $0.968 per $100 of assessment and the Maryland state rate is $0.112, for a combined $1.080 per $100 before credits or other charges.
What if my property is in Annapolis?
Do not use the general Anne Arundel County-only total. FY2027 property in the City of Annapolis has county, Maryland state and Annapolis municipal components totaling $1.427 per $100 of assessment before property-specific adjustments.
Does Anne Arundel County have a Homestead tax credit?
Yes. Maryland administers the Homestead Property Tax Credit, and Anne Arundel County currently maintains a 2% county taxable-assessment growth limitation for qualifying Homestead property. Homeowners must establish eligibility through Maryland SDAT.
What is the 2026 Maryland Homeowners’ Property Tax Credit deadline?
The 2026 HTC-1 filing deadline is October 1, 2026. A properly completed application submitted by April 15 can allow a qualifying credit to appear directly on the July bill when processed in time.
How much does Anne Arundel County charge for online property tax payment?
The county currently lists a 2.39% convenience fee for real-property credit and debit card transactions and $0.50 for eCheck. Review the fee displayed before authorizing payment because processor charges can change.
What if my mortgage company pays my Anne Arundel property tax?
Check the county real estate account before paying personally. Compare the posted county payment with your mortgage escrow statement to avoid paying twice.
How do I appeal my Anne Arundel County property assessment?
Assessment appeals begin with Maryland SDAT. A reassessment appeal generally must be filed within 45 days of the assessment notice. A later appeal from the Supervisor’s decision can generally be filed with the Property Tax Assessment Appeal Board within 30 days.
What happens if Anne Arundel County property taxes are late?
For annual taxes that are not covered by the later semiannual installment, county guidance states that taxes become overdue October 1 and interest and penalties accrue at 1% per month or fraction of a month. Continued delinquency can eventually lead to the county tax-lien sale process.
Bottom Line
For Anne Arundel County property tax, use Maryland SDAT to verify ownership, assessment and Homestead status, then use Anne Arundel County Real Estate Billing to confirm the FY2027 bill and payment status. The main FY2027 deadline is September 30, 2026. Review whether your home qualifies for the semiannual schedule, check county and Maryland tax credits, verify escrow and pay only after the parcel, year and amount all match.
Search Bill FY2027 Rates Due Dates Pay Tax Tax Credits Official LinksMaterially researched and updated for FY2027: August 31, 2026.