Anne Arundel County property record for 190 Clay St, Annapolis, MD 21401
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,555 sqft · built 1920 |
| Lot Size | 0.05 acres (2,170 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Aug 2019) |
| Tax Bill | $3,526 (2025) |
| Deeds & Mortgages | Aug 2019 Sale & Mortgage Dec 2018 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-01040200 |
| Primary APN | 06-000-01040200 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,555 sqft Living Area |
| 1st Floor Area | 622 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,170 sqft (0.05 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00001040200 |
|---|---|
| Street Address | 190 CLAY ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-2430 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LT ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 2 |
| Legal Lot Number | 190 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2001 |
| 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.
190 Clay St, a townhouse, is owned and occupied by an individual who bought it in August 2019.
Source: Anne Arundel County records, as of September 4, 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 | Individual Name on File |
|---|---|
| Mailing Address | 190 CLAY ST, ANNAPOLIS, MD 21401-2430 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2019 | Grant Deed, Transfer NAVY FCU |
| Dec 19, 2018 | Grant Deed, Construction Loan · Construction Mortgage DOMINION FIN'L SVCS 4 LLC |
| Dec 7, 2018 | Tax Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2019 · Amount on File |
| Deed Sale | Aug 16, 2019 · Amount on File |
| Prior Sale | Dec 7, 2018 · Amount on File |
| Deed Book / Page | 33470 / 209 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Aug 16, 2019 |
| Property Address | 190 CLAY ST, ANNAPOLIS, MD 21401-2430 |
| Document Number | 0334700209 |
| Book / Page | 033470 / 000209 |
| Instrument Date | Jun 5, 2019 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2019 |
| Title Company | PRESIDENTIAL TITLE INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $215.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 190 CLAY ST ANNAPOLIS MD 214012430, ANNAPOLIS, MD 21401-2430 |
| Document Number | 334700216 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 033470/000216 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 15, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Dec 19, 2018 |
| Property Address | 190 CLAY ST, ANNAPOLIS, MD 21401-2430 |
| Document Number | 0327480444 |
| Book / Page | 032748 / 000444 |
| Instrument Date | Oct 19, 2018 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 13, 2020 |
| Title Company | PRESIDENTIAL TITLE INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 125 WEST ST #4TH ANNAPOLIS MD 214012844, 4TH, ANNAPOLIS, MD 21401-2844 |
| Document Number | 327480444 |
|---|---|
| Date | Dec 19, 2018 |
| Book Page | 032748/000444 |
| Name | DOMINION FIN'L SVCS 4 LLC |
|---|---|
| Address | 1029 N CALVERT ST # 100, BALTIMORE, MD 21202-3823 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Dec 18, 2019 |
| Document Type | Tax Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Dec 7, 2018 |
| Property Address | 190 CLAY ST, ANNAPOLIS, MD 21401-2430 |
| Document Number | 0327180243 |
| Book / Page | 032718 / 000243 |
| Instrument Date | Oct 2, 2018 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $78.03 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 939 W NORTH AVE #830 CHICAGO IL 606427138, 830, CHICAGO, IL 60642-7138 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 190 Clay St was $3,526 with a homeowner's exemption.
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 | $269,400 Land $112,000 Building $157,400 | $269,400 Land $112,000 Building $157,400 | |
| 2025 | $3,526.00 | ||
| 2023 | $3,096.00 | $215,600 Land $102,000 Building $113,600 | $215,600 Land $102,000 Building $113,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 190 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 190 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures