91 Charles St, Annapolis, MD 21401 Property Records

Anne Arundel County property record for 91 Charles St, Annapolis, MD 21401

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,893 sqft · built 1931
Lot Size	0.106 acres (4,616 sqft)
Owner	2 Individual Names on File
Last Sale	$952,000 (Jul 2022)
Tax Bill	$13,421 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-000-08173200`

Property Details

APN / Parcel Number

Primary APN	`06-000-08173200`
Alternative APNs	`6-000-08173200` `00008173200`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,893 sqft Living Area
1st Floor Area	825 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Architectural Style	Conventional
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	4,616 sqft (0.106 acres)
Porch	Open Porch
Porch Area	48 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00008173200
Street Address	91 CHARLES ST
City	ANNAPOLIS
State	MD
Zip	21401-2618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT ANNAPOLIS
Legal Subdivision	ANNAPOLIS
Legal Block	1
Legal Lot Number	91
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

91 Charles St is owned and occupied by two individuals who bought it in July 2022.

Source: Anne Arundel County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	91 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	Jul 22, 2022 · Amount on File
Deed Sale	Jul 22, 2022 · Amount on File
Prior Sale	Apr 3, 2003
Deed Book / Page	38959 / 124
Transfer Doc	0000004430
Record Updated	Oct 29, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ANNE ARUNDEL MD
Recording Date	Jul 22, 2022
Property Address	91 CHARLES ST, ANNAPOLIS, MD 21401-2618
Document Number	0389590124
Book / Page	38959 / 124
Instrument Date	Jun 30, 2022
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	NORTHCO TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	91 CHARLES ST, ANNAPOLIS, MD 21401-2618

Mortgage

Document Number	0038959130
Date	Jul 22, 2022
Instrument	38959/130

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 91 Charles St was $13,421, up 10.3% from the year before.

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		$1,026,500 (+9.6%) Land $795,200 Building $231,300	$1,026,500 (-) Land $795,200 Building $231,300
2025	$13,421.00 (+10.31%)	$936,600	$1,026,500 Land $795,200 Building $231,300
2024	$12,167.00 (+11.96%)
2023	$10,867.00	$756,800 Land $640,700 Building $116,100	$756,800 Land $640,700 Building $116,100

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

Flood

FEMA maps place 91 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 91 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