Anne Arundel County property record for 95 Charles St, Annapolis, MD 21401
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,344 sqft · built 1906 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $435,000 (Jan 2019) |
| Tax Bill | $12,773 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Dec 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-000-01771000 |
| Primary APN | 06-000-01771000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,344 sqft Living Area |
| 1st Floor Area | 1,137 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 2,500 sqft (0.057 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 108 sqft |
| Patio Area | 312 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00001771000 |
|---|---|
| Street Address | 95 CHARLES ST |
| City | ANNAPOLIS |
| State | MD |
| Zip | 21401-2663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT ANNAPOLIS |
| Legal Subdivision | ANNAPOLIS |
| Legal Block | 1 |
| Legal Lot Number | 95 |
| 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.
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 | 95 CHARLES ST, ANNAPOLIS, MD 21401-2663 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SEVERN SAVINGS BANK FSB |
| Dec 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CNB |
| Jan 10, 2019 | Grant Deed, Transfer SAID A SAAB |
| Jan 31, 2017 | Quit Claim Deed, Transfer MILLENNIUM TITLE AND ABSTRACT COMPANY, MILLENNIUM TITLE & ABSTRACT CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 10, 2019 · Amount on Record |
| Deed Sale | Jan 10, 2019 · Amount on Record |
| Prior Sale | Feb 3, 1998 |
| Deed Book / Page | 32801 / 108 |
| Prior Transfer Date | Jan 14, 2017 |
| Prior Transfer Doc | 0305900001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 95 CHARLES ST, ANNAPOLIS, MD 21401-2663 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | EAGLE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0346110001 |
|---|---|
| Date | May 20, 2020 |
| Book Page | 34611/1 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | ANNAPOLIS, MD 21401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 9.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Property Address | 95 CHARLES ST, ANNAPOLIS, MD 21401-2663 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 95 CHARLES ST, ANNAPOLIS, MD 21401-2663 |
| Document Number | 0380080317 |
|---|---|
| Date | Dec 2, 2021 |
| Book Page | 38008/317 |
| Name | CNB |
|---|---|
| Type | Bank |
| Address | EASTON, MD 21601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jan 10, 2019 |
| Property Address | 95 CHARLES ST, ANNAPOLIS, MD 21401-2663 |
| Document Number | 0328010108 |
| Book / Page | 032801 / 000108 |
| Instrument Date | Dec 13, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2019 |
| Title Company | HOMELAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $435.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 1483 RIVER RD CROWNSVILLE MD 21032, CROWNSVILLE, MD 21032 |
| Document Number | 328010115 |
|---|---|
| Date | Jan 10, 2019 |
| Book Page | 032801/000115 |
| Name | SAID A SAAB |
|---|---|
| Address | 2120 BELL TOWER DR, CROWNSVILLE, MD 21032-2236 |
| Amount | Amount Recorded |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ANNE ARUNDEL MD |
| Recording Date | Jan 31, 2017 |
| Property Address | 95 CHARLES ST, ANNAPOLIS, MD 21401-2663 |
| Document Number | 0305900001 |
| Book / Page | 030590 / 000001 |
| Instrument Date | Jan 14, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2017 |
| Title Company | MILLENNIUM TITLE AND ABSTRACT COMPANY, MILLENNIUM TITLE & ABSTRACT CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 95 CHARLES ST ANNAPOLIS MD 214012618, ANNAPOLIS, MD 21401-2618 |
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 | $1,040,600 (+9.06%) Land $774,600 Building $266,000 | $1,040,600 (-) Land $774,600 Building $266,000 | |
| 2025 | $12,773.00 (+6.61%) Homeowner's exemption | $954,133 (+22.14%) | $1,040,600 (+33.21%) Land $774,600 Building $266,000 |
| 2024 | $11,981.00 (+6.8%) | ||
| 2023 | $11,218.00 | $781,200 Land $622,700 Building $158,500 | $781,200 Land $622,700 Building $158,500 |
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 · 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.
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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