189 Clay St, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 189 Clay St, Annapolis, MD 21401

Property Summary

Property Type	Townhouse
Details	1 ba · 1,232 sqft · built 1920
Lot Size	0.049 acres (2,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$58,000 (Feb 1997)
Tax Bill	$1,819 (2025)
Deeds & Mortgages	Dec 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-000-03976118`

Property Details

APN / Parcel Number

Primary APN	`06-000-03976118`
Alternative APNs	`6-000-03976118` `00003976118`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,232 sqft Living Area
1st Floor Area	616 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,150 sqft (0.049 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Space Heater
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00003976118
Street Address	189 CLAY ST
City	ANNAPOLIS
State	MD
Zip	21401-2406
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LT ANNAPOLIS
Legal Subdivision	ANNAPOLIS
Legal Block	2
Legal Lot Number	189
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2010
Census Tract	706102

Historic Designation

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.

Owner

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	189 CLAY ST, ANNAPOLIS, MD 21401-2406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 1997 · Amount on Record
Deed Sale	Feb 3, 1997 · Amount on Record
Deed Document Number	1997994
Deed Book / Page	7771 / 205
Last Transfer Date	Dec 13, 2025
Transfer Doc	0419190092
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Dec 16, 2025
Property Address	189 CLAY ST, ANNAPOLIS, MD 21401-2406
Document Number	0419190092
Book / Page	41919 / 92
Instrument Date	Dec 13, 2025
Transaction Type	Transfer
Record Updated	Dec 31, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 CLAY ST, ANNAPOLIS, MD 21401-2406

Tax Assessment & Valuation

Source: Anne Arundel County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Anne Arundel County
Municipality	Annapolis City
Unified School District	Anne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$205,400 (+6.48%) Land $112,000 Building $93,400	$205,400 (-) Land $112,000 Building $93,400
2025	$1,819.00 (+7.63%) Homeowner's exemption	$192,900 (+14.89%)	$205,400 (+22.33%) Land $112,000 Building $93,400
2024	$1,690.00 (+7.78%)
2023	$1,568.00 Homeowner's exemption	$167,900 Land $102,000 Building $65,900	$167,900 Land $102,000 Building $65,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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