199 Clay St, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 199 Clay St, Annapolis, MD 21401

Property Summary

Property Type	Townhouse
Details	1 ba · 1,120 sqft · built 1920
Lot Size	0.023 acres (1,010 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (May 2018)
Tax Bill	$3,311 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000-03976119`

Property Details

APN / Parcel Number

Primary APN	`06-000-03976119`
Alternative APNs	`600003976119` `00003976119`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,120 sqft Living Area
1st Floor Area	560 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	1,010 sqft (0.023 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00003976119
Street Address	199 CLAY ST
City	ANNAPOLIS
State	MD
Zip	21401-2406
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	PT LT ANNAPOLIS
Legal Subdivision	ANNAPOLIS
Legal Block	2
Legal Lot Number	199
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	199 CLAY ST, ANNAPOLIS, MD 21401-2406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2018 · Amount on Record
Deed Sale	May 24, 2018 · Amount on Record
Prior Sale	Jan 13, 2003 · Amount on Record
Deed Book / Page	32138 / 337
Record Updated	Oct 29, 2026

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	May 24, 2018
Property Address	199 CLAY ST, ANNAPOLIS, MD 21401-2406
Document Number	0321380337
Book / Page	32138 / 337
Instrument Date	Apr 24, 2018
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	LAWYERS TITLE & ESCROW SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	199 CLAY ST, ANNAPOLIS, MD 21401-2406

Mortgage

Document Number	0032138340
Date	May 24, 2018
Instrument	32138/340

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	363 Months
Due	Aug 1, 2048

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		$247,200 (+24.35%) Land $110,000 Building $137,200	$247,200 (+24.35%) Land $110,000 Building $137,200
2025	$3,311.00 (+16.01%)
2023	$2,854.00	$198,800 Land $100,000 Building $98,800	$198,800 Land $100,000 Building $98,800

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