85 Charles St, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 85 Charles St, Annapolis, MD 21401

Property Summary

Property Type	Townhouse
Details	2 ba · 1,098 sqft · built 1900
Lot Size	0.031 acres (1,360 sqft)
Owner	2 Individual Names on File
Last Sale	$815,000 (May 2024)
Tax Bill	$10,499 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000-08209600`

Property Details

APN / Parcel Number

Primary APN	`06-000-08209600`
Alternative APNs	`600008209600` `00008209600`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,098 sqft Living Area
1st Floor Area	468 sqft
Attic	Attic
Attic Area	169 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,360 sqft (0.031 acres)
Porch	Open Porch
Porch Area	55 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00008209600
Street Address	85 CHARLES ST
City	ANNAPOLIS
State	MD
Zip	21401-2618
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LT ANNAPOLIS
Legal Subdivision	ANNAPOLIS
Legal Block	1
Legal Lot Number	85
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

85 Charles St, a townhouse, is owned by two individuals who bought it in May 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	7 CHINA ROSE CT, ROCKVILLE, MD 20850-2853
Owner Type	Individual
Vesting	Tenants by the Entirety

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	May 22, 2024 · Amount on File
Deed Sale	May 22, 2024 · Amount on File
Prior Sale	Sep 29, 2016 · Amount on File
Deed Book / Page	40447 / 121
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ANNE ARUNDEL MD
Property Address	85 CHARLES ST, ANNAPOLIS, MD 21401-2618
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	ADVANTAGE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0352410192
Date	Sep 17, 2020
Book Page	35241/192

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 85 Charles St was $10,499.

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		$768,700 Land $562,600 Building $206,100	$768,700 Land $562,600 Building $206,100
2025	$10,499.00
2023	$9,170.00 Homeowner's exemption	$660,700 Land $552,600 Building $108,100	$660,700 Land $552,600 Building $108,100

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

Flood

FEMA maps place 85 Charles 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 · 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 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 85 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