Anne Arundel County property record for 183 Clay St, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,008 sqft · built 1920 |
| Lot Size | 0.049 acres (2,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Aug 2019) |
| Tax Bill | $3,513 (2024) |
| Deeds & Mortgages | Jan 2026 Transfer Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-07244275 |
| Primary APN | 06-000-07244275 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 644 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,120 sqft (0.049 acres) |
| Porch | Open Porch |
| Porch Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00007244275 |
|---|---|
| Street Address | 183 CLAY ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-2406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LT ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 2 |
| Legal Lot Number | 183 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2010 |
| 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.
183 Clay St is owned and occupied by two individuals who acquired it in September 2025.
Source: Anne Arundel County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 183 CLAY ST, ANNAPOLIS, MD 21401-2406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jan 8, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Aug 27, 2019 | Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2019 · Amount on File |
| Deed Sale | Aug 27, 2019 · Amount on File |
| Prior Sale | Mar 3, 2010 · Amount on File |
| Deed Book / Page | 33502 / 130 |
| Last Transfer Date | Sep 19, 2025 |
| Transfer Doc | 0419790192 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jan 8, 2026 |
| Property Address | 183 CLAY ST, ANNAPOLIS, MD 21401-2406 |
| Document Number | 0419790192 |
| Book / Page | 41979 / 192 |
| Instrument Date | Sep 19, 2025 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| 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 | 183 CLAY ST, ANNAPOLIS, MD 21401-2406 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Aug 27, 2019 |
| Property Address | 183 CLAY ST, ANNAPOLIS, MD 21401-2406 |
| Document Number | 0335020130 |
| Book / Page | 33502 / 130 |
| Instrument Date | Aug 22, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | HERITAGE TITLE LTD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,812.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 183 CLAY ST, ANNAPOLIS, MD 21401-2406 |
| Document Number | 33502137 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 33502/137 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
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 | $283,200 (+7.33%) Land $111,900 Building $171,300 | $283,200 (-) Land $111,900 Building $171,300 | |
| 2025 | $263,867 | $283,200 Land $111,900 Building $171,300 | |
| 2024 | $3,513.00 (+8.66%) | ||
| 2023 | $3,233.00 | $225,200 Land $101,900 Building $123,300 | $225,200 Land $101,900 Building $123,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 183 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.
Wildfire risk around 183 Clay St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 197 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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