191 Clay St, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 191 Clay St, Annapolis, MD 21401

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,048 sqft · built 1920
Lot Size	0.021 acres (917 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Jun 2021)
Tax Bill	$3,310 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000-90213100`

Property Details

APN / Parcel Number

Primary APN	`06-000-90213100`
Alternative APNs	`6-000-90213100` `00090213100`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,048 sqft Living Area
1st Floor Area	524 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Townhouse
Construction Type	Frame
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	917 sqft (0.021 acres)
Lot Dimensions	65.5 ft deep x 14 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00090213100
Street Address	191 CLAY ST
City	ANNAPOLIS
State	MD
Zip	21401-2406
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R4
Legal Description	LT 14X65.5 OR 917SF ANNAPOLIS
Legal Subdivision	ANNAPOLIS
Legal Block	2
Legal Lot Number	14
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

191 Clay St, a townhouse, is owned by an individual who bought it in June 2021.

Source: Anne Arundel County records, as of September 4, 2026

Owner of Record	Individual Name on File
Mailing Address	1417 STAPLES ST NE, 4, WASHINGTON, DC 20002-2958
Owner Type	Individual
Vesting	Sole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2021 · Amount on File
Deed Sale	Jun 5, 2021 · Amount on File
Prior Sale	Oct 26, 2016 · Amount on File
Deed Book / Page	36919 / 402
Prior Transfer Date	Jul 5, 2016
Prior Transfer Doc	0302200190
Record Updated	Oct 29, 2026

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jun 5, 2021
Property Address	191 CLAY ST, ANNAPOLIS, MD 21401-2406
Document Number	0369190402
Book / Page	36919 / 402
Instrument Date	May 20, 2021
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	CAPITOL TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1417 STAPLES ST NE APT 4, 4, WASHINGTON, DC 20002-2958

Mortgage

Document Number	36919409
Date	Jun 5, 2021
Instrument	36919/409

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 191 Clay St was $3,310, up 8.4% from the year before.

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		$249,500 (+7.99%) Land $105,000 Building $144,500	$249,500 (-) Land $105,000 Building $144,500
2025	$3,310.00 (+8.38%)	$231,033	$249,500 Land $105,000 Building $144,500
2024	$3,054.00 (+9.58%)
2023	$2,787.00	$194,100 Land $95,000 Building $99,100	$194,100 Land $95,000 Building $99,100

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

Flood

FEMA maps place 191 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

Wildfire risk around 191 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.

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