79 Charles St, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 79 Charles St, Annapolis, MD 21401

Property Summary

Property Type	Condominium
Details	1.5 ba · 1,320 sqft · built 1900
Lot Size	0.036 acres (1,574 sqft)
Owner	Company Name on Record
Last Sale	$855,000 (Apr 2026)
Tax Bill	$10,159 (2024)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000-90026785`

Property Details

APN / Parcel Number

Primary APN	`06-000-90026785`
Alternative APNs	`6-000-90026785` `00090026785`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,320 sqft Living Area
1st Floor Area	570 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Townhouse
Exterior Material	Combination
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	1,574 sqft (0.036 acres)
Porch	Open Porch
Porch Area	98 sqft
Deck Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00090026785
Street Address	79 CHARLES ST
City	ANNAPOLIS
State	MD
Zip	21401-2618
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 79 CHARLES STREET CONDO
Legal Subdivision	CHARLES STREET CONDO
Legal Block	1
Legal Unit	79
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

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	Company Name on Record
Mailing Address	79 CHARLES ST, ANNAPOLIS, MD 21401-2618
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Dec 9, 1992 · Amount on Record
Deed Book / Page	42270 / 336
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Apr 16, 2026
Property Address	79 CHARLES ST, ANNAPOLIS, MD 21401-2618
Document Number	4227000336
Book / Page	42270 / 336
Instrument Date	Apr 10, 2026
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$863,550.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	79 CHARLES ST, ANNAPOLIS, MD 21401-2618

Mortgage

Document Number	4227000342,
Date	Apr 16, 2026
Book Page	42270/342

Lender

Name	STEARNS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 10, 2031

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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		$784,300 (+5.19%) Land $564,100 Building $220,200	$784,300 (-) Land $564,100 Building $220,200
2025		$745,633 (+11.57%)	$784,300 (+17.36%) Land $564,100 Building $220,200
2024	$10,159.00 (+5.87%)
2023	$9,596.00	$668,300 Land $554,100 Building $114,200	$668,300 Land $554,100 Building $114,200

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 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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