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103 Clay St, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 103 Clay St, Annapolis, MD 21401

Property Summary

Property TypeTownhouse
Details2.5 ba · 2,022 sqft · built 2011
Lot Size0.024 acres (1,022 sqft)
Owner2 Individual Names on File
Last Sale$265,000 (Feb 2022)
Tax Bill$5,324 (2025)
Deeds & MortgagesFeb 2022 Sale & Mortgage
Oct 2022 Transfer
Flood ZoneZone X (minimal risk)
APN06-613-90232268

Property Details

APN / Parcel Number

Primary APN06-613-90232268
Alternative APNs
  • 6-613-90232268
  • 61390232268

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area2,022 sqft Living Area
1st Floor Area674 sqft

Exterior

Year BuiltBuilt 2011
Effective Year BuiltEffective 2011
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area1,022 sqft (0.024 acres)
PorchOpen Porch
Porch Area72 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump

Location & Zoning

Account Number61390232268
Street Address103 CLAY ST
CityANNAPOLIS
StateMD
Zip21401-2439
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeR4-R
Legal DescriptionLT 7 OBREY COURT PH II
Legal SubdivisionOBREY COURT PH II
Legal Phase2
Legal Block2
Legal Lot Number7
JurisdictionANNE ARUNDEL MD
Township / Civil Division6
Census Block Group2
Census Block2008
Census Tract706102

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Colonial Annapolis Historic District (Boundary Increase)
listed 1984 · 1,197 contributing resources · NRIS 84003875

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

103 Clay St, a townhouse, is owned by two individuals who bought it in February 2022.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record2 Individual Names on File
Mailing Address40100 MOUNTAIN HOME DR, SWEET HOME, OR 97386-9777
Owner TypeIndividual

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

DateDocument
Feb 28, 2022Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Oct 24, 2022Intrafamily Transfer, Transfer
PRUITT TITLE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 28, 2022 · Amount on File
Deed SaleFeb 28, 2022 · Amount on File
Prior SaleNov 21, 2011 · Amount on File
Deed Book / Page38408 / 425
Prior Transfer DateFeb 15, 2022
Prior Transfer Doc0392230060
Record UpdatedOct 29, 2026

February 2022: Deed, Transfer

Document TypeDeed
JurisdictionANNE ARUNDEL MD
Recording DateFeb 28, 2022
Property Address103 CLAY ST, ANNAPOLIS, MD 21401-2439
Document Number0384080425
Book / Page38408 / 425
Map ReferenceMB 301 PG 21 PL15599
Instrument DateFeb 15, 2022
Transaction TypeTransfer
Record UpdatedAug 10, 2022
Title CompanyPRUITT TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,975.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1123 STATE ROUTE 3 N # N118, 1123, GAMBRILLS, MD 21054-1715

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address40100 MOUNTAIN HOME DR, SWEET HOME, OR 97386-9777

Mortgage

Document Number0038408433
DateFeb 28, 2022
Instrument38408/433
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2052

October 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionANNE ARUNDEL MD
Recording DateOct 24, 2022
Property Address103 CLAY ST, ANNAPOLIS, MD 21401-2439
Document Number0392230060
Book / Page39223 / 60
Map ReferenceMB 301 PG 21 PL15599
Instrument DateFeb 15, 2022
Transaction TypeTransfer
Record UpdatedNov 9, 2022
Title CompanyPRUITT TITLE LLC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address103 CLAY ST, 103, ANNAPOLIS, MD 21401-2439

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address103 CLAY ST, ANNAPOLIS, MD 21401-2439

Tax Assessment & Valuation

The 2025 property tax bill for 103 Clay St was $5,324, up 9.1% from the year before.

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyAnne Arundel County
MunicipalityAnnapolis City
Unified School DistrictAnne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$403,600 (+8.63%) Land $110,000 Building $293,600$403,600 (-) Land $110,000 Building $293,600
2025$5,324.00 (+9.14%)$371,533$403,600 Land $110,000 Building $293,600
2024$4,878.00 (+10.51%)
2023$4,414.00$307,400 Land $100,000 Building $207,400$307,400 Land $100,000 Building $207,400

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

Flood

FEMA maps place 103 Clay St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 16, 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 103 Clay St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

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 SystemCITY OF ANNAPOLIS
serves 35,000 people · EPA ID MD0020001
Water SourceGroundwater
Last State InspectionFeb 2025
Lead6 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 880 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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