192 Clay St, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 192 Clay St, Annapolis, MD 21401

Property Summary

Property Type	Townhouse
Details	1 ba · 1,244 sqft · built 1920
Lot Size	0.062 acres (2,714 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Mar 2026)
Tax Bill	$3,519 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000-04357808`

Property Details

APN / Parcel Number

Primary APN	`06-000-04357808`
Alternative APNs	`600004357808` `00004357808`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,244 sqft Living Area
1st Floor Area	622 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Townhouse
Exterior Material	Other
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	2,714 sqft (0.062 acres)
Deck Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00004357808
Street Address	192 CLAY ST
City	ANNAPOLIS
State	MD
Zip	21401-2430
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LT 92 ANNAPOLIS
Legal Subdivision	ANNAPOLIS
Legal Block	2
Legal Lot Number	92
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	2
Census Block	2001
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

192 Clay St, a townhouse, is owned and occupied by an individual who bought it in March 2026.

Source: Anne Arundel County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	192 CLAY ST, ANNAPOLIS, MD 21401-2430
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2026 · Amount on File
Deed Sale	Mar 6, 2026 · Amount on File
Prior Sale	Jun 5, 2002 · Amount on File
Deed Book / Page	42140 / 242
Record Updated	Oct 29, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Mar 6, 2026
Property Address	192 CLAY ST, ANNAPOLIS, MD 21401-2430
Document Number	0421400242
Book / Page	42140 / 242
Map Reference	LB FSR 110 FO 154
Instrument Date	Feb 20, 2026
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$712.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 KENDALL RD, WALNUT CREEK, CA 94595-1112

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	192 CLAY ST, ANNAPOLIS, MD 21401-2430

Mortgage

Document Number	0042140251
Date	Mar 6, 2026
Instrument	42140/251

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 192 Clay St was $3,519.

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		$263,300 Land $110,300 Building $153,000	$263,300 Land $110,300 Building $153,000
2025	$3,519.00
2023	$3,019.00	$210,300 Land $100,300 Building $110,000	$210,300 Land $100,300 Building $110,000

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

Flood

FEMA maps place 192 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 192 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