Anne Arundel County property record for 115 Charles St, Annapolis, MD 21401
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,491 sqft · built 1972 |
| Lot Size | 0.04 acres (1,744 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $830,000 (Nov 2025) |
| Tax Bill | $10,154 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-04578150 |
| Primary APN | 06-000-04578150 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,491 sqft Living Area |
| 1st Floor Area | 690 sqft |
| Attic | Attic |
| Attic Area | 135 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 1,744 sqft (0.04 acres) |
| Porch | Open Porch |
| Porch Area | 44 sqft |
| Deck Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00004578150 |
|---|---|
| Street Address | 115 CHARLES ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-2620 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | 1480 SQ FT ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 1 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1006 |
| 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.
115 Charles St, a townhouse, is owned and occupied by two individuals who bought it in November 2025.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 115 CHARLES ST, ANNAPOLIS, MD 21401-2620 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Nov 20, 2025 | Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Mar 2, 2021 | Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 20, 2025 · Amount on File |
| Deed Sale | Nov 20, 2025 · Amount on File |
| Prior Sale | Mar 2, 2021 · Amount on File |
| Deed Book / Page | 41847 / 423 |
| Transfer Doc | 0000001336 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Nov 20, 2025 |
| Property Address | 115 CHARLES ST, ANNAPOLIS, MD 21401-2620 |
| Document Number | 0418470423 |
| Book / Page | 41847 / 423 |
| Instrument Date | Nov 10, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Title Company | COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,075.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 115 CHARLES ST, ANNAPOLIS, MD 21401-2620 |
| Document Number | 0041847430 |
|---|---|
| Date | Nov 20, 2025 |
| Instrument | 41847/430 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Mar 2, 2021 |
| Property Address | 115 CHARLES ST, ANNAPOLIS, MD 21401-2620 |
| Document Number | 0362560419 |
| Book / Page | 36256 / 419 |
| Instrument Date | Jan 5, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2021 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,975.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 115 CHARLES ST, 115, ANNAPOLIS, MD 21401-2620 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 115 CHARLES ST, ANNAPOLIS, MD 21401-2620 |
| Document Number | 36256427 |
|---|---|
| Date | Mar 2, 2021 |
| Instrument | 36256/427 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 115 Charles St was $10,154.
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 | $759,000 (+4.65%) Land $565,300 Building $193,700 | $759,000 (-) Land $565,300 Building $193,700 | |
| 2025 | $10,154.00 Homeowner's exemption | $725,267 | $759,000 Land $565,300 Building $193,700 |
| 2023 | $9,446.00 Homeowner's exemption | $657,800 Land $555,300 Building $102,500 | $657,800 Land $555,300 Building $102,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 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 115 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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