Anne Arundel County property record for 124 Charles St, Annapolis, MD 21401
| Property Type | Commercial |
|---|---|
| Details | 4.5 ba · 4,552 sqft |
| Lot Size | 0.213 acres (9,271 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,425,000 (Jul 2016) |
| Tax Bill | $19,449 (2024) |
| Deeds & Mortgages | Jun 2026 Sale Sep 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-00925700 |
| Primary APN | 06-000-00925700 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,552 sqft Gross Area |
| 1st Floor Area | 2,472 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Architectural Style | Conventional |
|---|---|
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 9,271 sqft (0.213 acres) |
| Porch | Open Porch |
| Porch Area | 344 sqft |
| Patio Area | 540 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00000925700 |
|---|---|
| Street Address | 124 CHARLES ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-2621 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LT ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 1 |
| Legal Lot Number | 124 |
| 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.
Source: Anne Arundel County records, as of September 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 124 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 8, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Sep 21, 2023 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2016 · Amount on Record |
| Deed Sale | Jul 8, 2016 · Amount on Record |
| Deed Book / Page | 29792 / 38 |
| Last Transfer Date | Jun 3, 2026 |
| Transfer Doc | 4242000300 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jun 8, 2026 |
| Property Address | 124 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Document Number | 4242000300 |
| Book / Page | 42420 / 300 |
| Instrument Date | Jun 3, 2026 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 124 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 124 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 124 CHARLES ST, ANNAPOLIS, MD 21401-2621 |
| Document Number | 0399460288 |
|---|---|
| Date | Sep 21, 2023 |
| Book Page | 39946/288 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 6, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $1,656,700 (+9.2%) Land $840,600 Building $816,100 | $1,656,700 (-) Land $840,600 Building $816,100 | |
| 2025 | $1,517,067 (+22.56%) | $1,656,700 (+33.84%) Land $840,600 Building $816,100 | |
| 2024 | $19,449.00 (+9.55%) | ||
| 2023 | $17,754.00 Homeowner's exemption | $1,237,800 Land $680,300 Building $557,500 | $1,237,800 Land $680,300 Building $557,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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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