Anne Arundel County property record for 92 Clay St, Annapolis, MD 21401
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 1,850 sqft · built 1975 |
| Lot Size | 0.022 acres (960 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $270,000 (Jun 2023) |
| Tax Bill | $3,599 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jun 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-90001197 |
| Primary APN | 06-000-90001197 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,850 sqft Living Area |
| 1st Floor Area | 684 sqft |
| Basement Area | 518 sqft |
| Finished Basement | 518 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 960 sqft (0.022 acres) |
| Porch | Open Porch |
| Porch Area | 75 sqft |
| Deck Area | 50 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00090001197 |
|---|---|
| Street Address | 92 CLAY ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-2452 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LTS ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 2 |
| Legal Lot Number | 92 |
| Jurisdiction | ANNE ARUNDEL MD |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 706102 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Colonial Annapolis Historic District (Boundary Increase) listed 1984 · 1,197 contributing resources · NRIS 84003875 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | Individual Name on Record |
|---|---|
| Mailing Address | 92 CLAY ST, ANNAPOLIS, MD 21401-2452 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 31, 2022 | Deed of Trust, Mortgage · VA Mortgage UNIVERSAL MORTGAGE & FINANCE INC |
| Jun 23, 2023 | Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| May 6, 2021 | Deed, Transfer · Conventional Mortgage UNIVERSAL MORTGAGE & FINANCE INC |
| Oct 17, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2023 · Amount on Record |
| Deed Sale | Jun 23, 2023 · Amount on Record |
| Prior Sale | May 6, 2021 · Amount on Record |
| Deed Book / Page | 39746 / 230 |
| Prior Transfer Date | Oct 6, 2018 |
| Prior Transfer Doc | 0325760369 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 92 CLAY ST, ANNAPOLIS, MD 21401-2452 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | CALAVERAS TITLE COMPANY, CALVERT TITEL COMPANY |
| Name | Verified Name |
|---|---|
| Address | 92 CLAY ST, ANNAPOLIS, MD 21401-2452 |
| Document Number | 0383000170 |
|---|---|
| Date | Jan 31, 2022 |
| Book Page | 38300/170 |
| Name | UNIVERSAL MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | EDGEWATER, MD 21037 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jun 23, 2023 |
| Property Address | 92 CLAY ST, ANNAPOLIS, MD 21401-2452 |
| Document Number | 0397460230 |
| Book / Page | 39746 / 230 |
| Instrument Date | Jun 22, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Title Company | EAGLE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,350.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 92 CLAY ST, ANNAPOLIS, MD 21401-2452 |
| Document Number | 0039746238 |
|---|---|
| Date | Jun 23, 2023 |
| Instrument | 39746/238 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | May 6, 2021 |
| Property Address | 92 CLAY ST, ANNAPOLIS, MD 21401-2452 |
| Document Number | 0367300184 |
| Book / Page | 36730 / 184 |
| Map Reference | LB JHH 771 FO 559 |
| Instrument Date | Dec 18, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2021 |
| Title Company | CALAVERAS TITLE COMPANY, CALVERT TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 92 CLAY ST, ANNAPOLIS, MD 21401-2452 |
| Document Number | 36730190 |
|---|---|
| Date | May 6, 2021 |
| Instrument | 36730/190 |
| Name | UNIVERSAL MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Oct 17, 2018 |
| Property Address | 92 CLAY ST, ANNAPOLIS, MD 21401-2452 |
| Document Number | 0325760369 |
| Book / Page | 032576 / 000369 |
| Instrument Date | Oct 6, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 92 CLAY ST ANNAPOLIS MD 214012452, ANNAPOLIS, MD 21401-2452 |
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 | $270,000 (+4.84%) Land $105,600 Building $164,400 | $270,000 (-) Land $105,600 Building $164,400 | |
| 2025 | $3,599.00 (+3.57%) Homeowner's exemption | $257,533 (+10.72%) | $270,000 (+16.08%) Land $105,600 Building $164,400 |
| 2024 | $3,475.00 (+4.04%) | ||
| 2023 | $3,340.00 (+14.27%) | $232,600 (+12.11%) Land $96,000 Building $136,600 | $232,600 (-) Land $96,000 Building $136,600 |
| 2022 | $2,923.00 | $207,467 | $232,600 Land $96,000 Building $136,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 16, 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 197 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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