Anne Arundel County property record for 113 Clay St, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,747 sqft · built 1925 |
| Lot Size | 0.062 acres (2,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $367,000 (Dec 2021) |
| Tax Bill | $4,977 (2025) |
| Deeds & Mortgages | Jun 2019 Mortgage Dec 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-05301485 |
| Primary APN | 06-000-05301485 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,747 sqft Living Area |
| Gross Area | 1,783 sqft |
| 1st Floor Area | 624 sqft |
| Basement Area | 499 sqft |
| Finished Basement | 499 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 2,700 sqft (0.062 acres) |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 226 sqft |
| Deck Area | 227 sqft |
| Patio Area | 228 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00005301485 |
|---|---|
| Street Address | 113 CLAY ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-2406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 2 |
| Legal Lot Number | 113 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 706102 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within 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.
113 Clay St is owned by two individuals who bought it in December 2021.
Source: Anne Arundel County records, as of October 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1091 MCCUE CT, GREAT FALLS, VA 22066-1543 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 28, 2019 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 30, 2021 | Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Jun 27, 2021 | Intrafamily Transfer, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 19, 2018 | Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2021 · Amount on File |
| Deed Sale | Dec 30, 2021 · Amount on File |
| Prior Sale | Jun 27, 2021 |
| Deed Book / Page | 38157 / 35 |
| Prior Transfer Date | Jan 22, 2021 |
| Prior Transfer Doc | 0370720363 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 113 CLAY ST, ANNAPOLIS, MD 21401-2406 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | MASTERS TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0332940340 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 33294/340 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Dec 30, 2021 |
| Property Address | 113 CLAY ST, ANNAPOLIS, MD 21401-2406 |
| Document Number | 0381570035 |
| Book / Page | 38157 / 35 |
| Map Reference | MB WNW 3 FO 35 |
| Instrument Date | Dec 8, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2022 |
| Title Company | EVERGREEN SETTLEMENT COMPANY, EVERGREEN SETTLEMENT CO INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,505.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1091 MCCUE CT, GREAT FALLS, VA 22066-1543 |
| Document Number | 0003815741 |
|---|---|
| Date | Dec 30, 2021 |
| Instrument | 38157/41 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2037 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jun 27, 2021 |
| Property Address | 113 CLAY ST, ANNAPOLIS, MD 21401-2406 |
| Document Number | 0370720363 |
| Book / Page | 37072 / 363 |
| Map Reference | MB WNW 3 FO 35 |
| Instrument Date | Jan 22, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 113 CLAY ST, ANNAPOLIS, MD 21401-2406 |
| Document Number | 37072367 |
|---|---|
| Date | Jun 27, 2021 |
| Instrument | 37072/367 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jun 19, 2018 |
| Property Address | 113 CLAY ST, ANNAPOLIS, MD 21401-2406 |
| Document Number | 0322220052 |
| Book / Page | 32222 / 052 |
| Map Reference | MB WNW03 FO35 |
| Instrument Date | May 22, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | MASTERS TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,675.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Document Number | 0003222258 |
|---|---|
| Date | Jun 19, 2018 |
| Instrument | 32222/58 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2048 |
The 2025 property tax bill for 113 Clay St was $4,977, up 9% 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 | $376,800 (+8.47%) Land $112,900 Building $263,900 | $376,800 (-) Land $112,900 Building $263,900 | |
| 2025 | $4,977.00 (+8.95%) | $347,367 | $376,800 Land $112,900 Building $263,900 |
| 2024 | $4,568.00 (+10.28%) | ||
| 2023 | $4,142.00 | $288,500 Land $102,900 Building $185,600 | $288,500 Land $102,900 Building $185,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 113 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 113 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 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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