Anne Arundel County property record for 104 Charles St, Annapolis, MD 21401
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 1,036 sqft · built 1935 |
| Lot Size | 0.024 acres (1,062 sqft) |
| Owner | Individual Name on File |
| Last Sale | $690,000 (Apr 2024) |
| Tax Bill | $8,913 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit Apr 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-02433205 |
| Primary APN | 06-000-02433205 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,036 sqft Living Area |
| 1st Floor Area | 518 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Townhouse |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 1,062 sqft (0.024 acres) |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00002433205 |
|---|---|
| Street Address | 104 CHARLES ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-2621 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LT ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 1 |
| Legal Lot Number | 104 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 706102 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Colonial Annapolis Historic District listed 1966 · National Historic Landmark (designated 1965) · NRIS 66000383 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
104 Charles St, a townhouse, is owned and occupied by an individual who bought it in April 2024.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 104 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Surviving Spouse |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 26, 2024 | Deed of Trust, Mortgage · Line of Credit PRESIDENTIAL BANK FSB |
| Apr 30, 2024 | Deed, Transfer · Conventional Mortgage THE LOAN STORE INC |
| Mar 24, 2021 | Deed of Trust, Mortgage · VA Mortgage PRESIDENTIAL BANK FSB |
| Nov 2, 2017 | Grant Deed, Transfer · Conventional with PMI SUNTRUST MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2024 · Amount on File |
| Deed Sale | Apr 30, 2024 · Amount on File |
| Prior Sale | Nov 2, 2017 · Amount on File |
| Deed Book / Page | 40394 / 362 |
| Prior Transfer Date | Feb 6, 2013 |
| Prior Transfer Doc | 0257810097 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 104 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 104 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Document Number | 0403200206 |
|---|---|
| Date | Mar 26, 2024 |
| Book Page | 40320/206 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Address | BETHESDA, MD 20814 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Apr 1, 2025 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Apr 30, 2024 |
| Property Address | 104 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Document Number | 0403940362 |
| Book / Page | 40394 / 362 |
| Instrument Date | Mar 29, 2024 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2024 |
| Title Company | COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 104 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Document Number | 0040394368 |
|---|---|
| Date | Apr 30, 2024 |
| Instrument | 40394/368 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 104 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | PASSPORT TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0364080028 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 36408/28 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Address | BETHESDA, MD 20814 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Nov 2, 2017 |
| Property Address | 104 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Document Number | 0315250137 |
| Book / Page | 031525 / 000137 |
| Instrument Date | Oct 26, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2017 |
| Title Company | MID-MARYLAND TITLE COMPANY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $385.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 CHARLES ST ANNAPOLIS MD 214012621, ANNAPOLIS, MD 21401-2621 |
| Document Number | 315250142 |
|---|---|
| Date | Nov 2, 2017 |
| Book Page | 031525/000142 |
| Name | SUNTRUST MTG |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23224 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2047 |
The 2025 property tax bill for 104 Charles St was $8,913 with a homeowner's exemption, up 9.6% from the year before.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Municipality | Annapolis City |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $678,000 (+9%) Land $560,400 Building $117,600 | $678,000 (-) Land $560,400 Building $117,600 | |
| 2025 | $8,913.00 (+9.59%) | $622,000 | $678,000 Land $560,400 Building $117,600 |
| 2024 | $8,133.00 (+20.86%) | ||
| 2023 | $6,729.00 Homeowner's exemption | $510,000 Land $442,300 Building $67,700 | $510,000 Land $442,300 Building $67,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 Charles 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 37 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 43 units insured incl. 6 condo units |
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.
The area around 104 Charles 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 Risk | Not rated no burnable land within ember reach |
|---|
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 | CITY OF ANNAPOLIS serves 35,000 people · EPA ID MD0020001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | 6 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 880 locations within half a mile, as of December 31, 2025
| Provider | Max 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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