Anne Arundel County property record for 108 Charles St, Annapolis, MD 21401
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,718 sqft · built 1885 |
| Lot Size | 0.029 acres (1,241 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $648,800 (Dec 2019) |
| Tax Bill | $10,360 (2025) |
| Deeds & Mortgages | Mar 2018 Second Mortgage Jan 2020 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-01800215 |
| Primary APN | 06-000-01800215 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,718 sqft Living Area |
| 1st Floor Area | 794 sqft |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1885 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,241 sqft (0.029 acres) |
| Deck Area | 196 sqft |
| Shed | 1 Shed |
| Shed Area | 119 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00001800215 |
|---|---|
| Street Address | 108 CHARLES ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-2621 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LT OR .031 ACRE ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 1 |
| 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.
108 Charles St, a townhouse, is owned and occupied by two individuals who bought it in December 2019.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 108 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| 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.
| Date | Document |
|---|---|
| Mar 14, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DIGITAL FCU |
| Jan 14, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Dec 30, 2019 | Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Dec 30, 2019 | Grant Deed, Transfer MID-MARYLAND TITLE COMPANY INC, MID-MARYLAND TITLE CO INC |
| Jan 3, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2019 · Amount on File |
| Deed Sale | Dec 30, 2019 · Amount on File |
| Prior Sale | Nov 21, 2003 · Amount on File |
| Deed Book / Page | 34009 / 481 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 108 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0319180021 |
|---|---|
| Date | Mar 14, 2018 |
| Book Page | 31918/021 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Address | MARLBOROUGH, MA 01752 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 108 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Document Number | 0341490185 |
| Instrument Date | Jan 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2020 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Address | 108 CHARLES ST ANNAPOLIS MD 214012621, ANNAPOLIS, MD 21401-2621 |
| Document Number | 0341490185 |
|---|---|
| Date | Feb 3, 2020 |
| Book Page | 034149/000185 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 2, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Dec 30, 2019 |
| Property Address | 108 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Document Number | 0340090481 |
| Book / Page | 034009 / 000481 |
| Instrument Date | Dec 18, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2020 |
| Title Company | MID-MARYLAND TITLE COMPANY INC, MID-MARYLAND TITLE CO INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $648.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 108 CHARLES ST ANNAPOLIS MD 214012621, ANNAPOLIS, MD 21401-2621 |
| Document Number | 340090488 |
|---|---|
| Date | Dec 30, 2019 |
| Book Page | 034009/000488 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 29, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Dec 30, 2019 |
| Property Address | 108 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Document Number | 0340090477 |
| Book / Page | 034009 / 000477 |
| Instrument Date | Dec 17, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2020 |
| Title Company | MID-MARYLAND TITLE COMPANY INC, MID-MARYLAND TITLE CO INC |
| Amount | Amount on Record |
|---|---|
| Tax | $648.80 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 CHARLES ST ANNAPOLIS MD 214012621, ANNAPOLIS, MD 21401-2621 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 108 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Document Number | 0305270210 |
| Instrument Date | Jan 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 108 CHARLES ST ANNAPOLIS MD 214012621, ANNAPOLIS, MD 21401-2621 |
| Document Number | 0305270210 |
|---|---|
| Date | Jan 12, 2017 |
| Book Page | 030527/000210 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 11, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 108 Charles St was $10,360 with a homeowner's exemption.
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 | $793,600 Land $561,700 Building $231,900 | $793,600 Land $561,700 Building $231,900 | |
| 2025 | $10,360.00 | ||
| 2023 | $9,461.00 Homeowner's exemption | $658,900 Land $551,700 Building $107,200 | $658,900 Land $551,700 Building $107,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 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 108 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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