Anne Arundel County property record for 89 Charles St, Annapolis, MD 21401
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 864 sqft · built 1900 |
| Lot Size | 0.044 acres (1,900 sqft) |
| Owner | Individual Name on File |
| Last Sale | $650,000 (Sep 2024) |
| Tax Bill | $9,712 (2025) |
| Deeds & Mortgages | Jul 2023 Sale Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-06246700 |
| Primary APN | 06-000-06246700 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 432 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Townhouse |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 1,900 sqft (0.044 acres) |
| Porch | Open Porch |
| Porch Area | 60 sqft |
| Deck Area | 78 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00006246700 |
|---|---|
| Street Address | 89 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 | 89 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 706102 |
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.
89 Charles St, a townhouse, is owned and occupied by an individual who bought it in September 2024.
Source: Anne Arundel County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 89 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.
| Date | Document |
|---|---|
| Jul 28, 2023 | Deed, Transfer EAGLE TITLE |
| Jul 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GEORGE MASON MORTGAGE LLC |
| Aug 29, 2017 | Grant Deed, Transfer · Conventional Mortgage GEORGE MASON MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2024 · Amount on File |
| Deed Sale | Sep 4, 2024 · Amount on File |
| Prior Sale | Jul 28, 2023 · Amount on File |
| Deed Book / Page | 40695 / 241 |
| Prior Transfer Date | Aug 30, 2024 |
| Prior Transfer Doc | 0406950241 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jul 28, 2023 |
| Property Address | 89 CHARLES ST, ANNAPOLIS, MD 21401-2618 |
| Document Number | 0398210472 |
| Book / Page | 39821 / 472 |
| Instrument Date | Jul 26, 2023 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2023 |
| Title Company | EAGLE TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 56 MARYLAND AVE, ANNAPOLIS, MD 21401-1768 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 89 CHARLES ST, ANNAPOLIS, MD 21401-2618 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PRIDE SETMNT & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0349260001 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 34926/1 |
| Name | GEORGE MASON MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | May 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Aug 29, 2017 |
| Property Address | 89 CHARLES ST, ANNAPOLIS, MD 21401-2618 |
| Document Number | 0313010008 |
| Book / Page | 031301 / 000008 |
| Instrument Date | Aug 21, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2017 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $420.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1849 CHARLES ST ANNAPOLIS MD 21401, ANNAPOLIS, MD 21401 |
| Document Number | 313010012 |
|---|---|
| Date | Aug 29, 2017 |
| Book Page | 031301/000012 |
| Name | GEORGE MASON MTG |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 28, 2047 |
The 2025 property tax bill for 89 Charles St was $9,712, up 3.1% from the year before.
Source: Anne Arundel County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Anne Arundel County |
| Municipality | Annapolis City |
| Unified School District | Anne Arundel County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $700,100 (+3.3%) Land $566,500 Building $133,600 | $700,100 (-) Land $566,500 Building $133,600 | |
| 2025 | $9,712.00 (+3.12%) | $677,767 | $700,100 Land $566,500 Building $133,600 |
| 2024 | $9,418.00 (+3.6%) | ||
| 2023 | $9,091.00 (+1.94%) | $633,100 (+0.02%) Land $556,500 Building $76,600 | $633,100 (-) Land $556,500 Building $76,600 |
| 2022 | $8,918.00 | $632,967 | $633,100 Land $556,500 Building $76,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 89 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.
The area around 89 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.
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 |
| 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.
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 |
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