77 Charles St, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 77 Charles St, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,011 sqft · built 1909
Lot Size	0.098 acres (4,261 sqft)
Owner	2 Individual Names on File
Last Sale	$68,000 (Jun 1979)
Tax Bill	$9,340 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-000-90022404`

Property Details

APN / Parcel Number

Primary APN	`06-000-90022404`
Alternative APNs	`600090022404` `00090022404`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,011 sqft Living Area
Gross Area	2,271 sqft
1st Floor Area	1,195 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,261 sqft (0.098 acres)
Garage Type	Attached
Garage Area	100 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	223 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00090022404
Street Address	77 CHARLES ST
City	ANNAPOLIS
State	MD
Zip	21401-2618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4261 SQ FT OR .098 A ANNAPOLIS
Legal Subdivision	ANNAPOLIS
Legal Block	1
Jurisdiction	ANNE ARUNDEL MD
Township / Civil Division	6
Census Block Group	1
Census Block	1016
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 listed 1966 · National Historic Landmark (designated 1965) · NRIS 66000383

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

77 Charles St is owned and occupied by two individuals who bought it in June 1979.

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

Owner of Record	2 Individual Names on File
Mailing Address	77 CHARLES ST, ANNAPOLIS, MD 21401-2618
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	2 Names on Deed
Last Sale	Jun 18, 1979 · Amount on File
Deed Sale	Jun 18, 1979 · Amount on File
Deed Book / Page	3211 / 397
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	77 CHARLES ST, ANNAPOLIS, MD 21401-2618
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 CHARLES ST, ANNAPOLIS, MD 21401-2618

Mortgage

Document Number	0389700001
Date	Jul 26, 2022
Book Page	38970/1

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Jun 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 77 Charles St was $9,340 with a homeowner's exemption.

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		$1,045,100 Land $791,700 Building $253,400	$1,045,100 Land $791,700 Building $253,400
2025	$9,340.00
2023	$7,944.00 Homeowner's exemption	$805,500 Land $637,700 Building $167,800	$805,500 Land $637,700 Building $167,800

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

Flood

FEMA maps place 77 Charles St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 37 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	43 units insured incl. 6 condo units

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 77 Charles St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 880 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20