Welcome to 198 Clay Street in the heart of Annapolis! This charming row home offers water views of College Creek and a short stroll to downtown and West Annapolis, where shops, dining, entertainment, and the U.S. Naval Academy are right at your doorstep. The location also provides easy commuter access to Routes 50 and 97 for Washington, D.C., Baltimore, and BWI Airport. Thoughtfully updated in the past year, the home features new flooring and paint throughout, all new kitchen appliances, countertops, and sink, new siding, four mini-split units, and all new upstairs windows. Walls were opened between the kitchen, dining, and laundry areas to create a more open flow, and a new upper-deck door leads to an expanded rooftop deck with water views. Additional highlights include exposed brick and beamed ceilings, a fenced rear yard, private access to College Creek, and rare rear parking. With a proven rental history including $21,500 earned on Airbnb in 2024, this home is ideal as a primary residence or investment opportunity. As of 5/28/26 a new EPDM rubber roof/membrane with additional sealant and chimney closure have been installed.
For sale
Price cut: $14K (7/14)
$375,000
198 Clay St, Annapolis, MD 21401
2beds
902sqft
Townhouse
Built in 1920
1,500 Square Feet Lot
$-- Zestimate®
$416/sqft
$-- HOA
What's special
Fenced rear yardFour mini-split unitsNew sidingRare rear parkingAll new upstairs windows
- 155 days
- 881
- 56
Zillow last checked:
Listing updated:
Listed by:
Kerry O'Hara 410-507-0834,
Engel & Volkers Annapolis (443) 292-6767
Source: Bright MLS,MLS#: MDAA2139810
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Basement
- Area: 0
Heating
- Baseboard, Electric
Cooling
- Ductless, Electric
Appliances
- Included: Electric Water Heater
- Laundry: Main Level
Features
- Has basement: No
- Has fireplace: No
Interior area
- Total structure area: 902
- Total interior livable area: 902 sqft
- Finished area above ground: 902
- Finished area below ground: 0
Property
Parking
- Parking features: On Street
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: Accessible Entrance
Features
- Levels: Two
- Stories: 2
- Pool features: None
Lot
- Size: 1,500 Square Feet
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 020600004784900
- Zoning: R
- Special conditions: Standard
Construction
Type & style
- Home type: Townhouse
- Architectural style: Traditional
- Property subtype: Townhouse
Materials
- Vinyl Siding
- Foundation: Slab
Condition
- New construction: No
- Year built: 1920
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & HOA
Community
- Subdivision: Regulars
HOA
- Has HOA: No
Location
- Region: Annapolis
- Municipality: Annapolis
Financial & listing details
- Price per square foot: $416/sqft
- Tax assessed value: $218,500
- Annual tax amount: $2,979
- Date on market: 3/28/2026
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,VA Loan,FHA
- Ownership: Fee Simple
Estimated market value
Not available
Estimated sales range
Not available
$2,336/mo
Price history
| Date | Event | Price |
|---|---|---|
| 7/14/2026 | Price change | $375,000-3.6%$416/sqft |
Source:  Bright MLS #MDAA2139810 Report a problem | ||
| 4/22/2026 | Listed for sale | $389,000$431/sqft |
Source: Bright MLS #MDAA2139810 Report a problem | ||
| 4/19/2026 | Contingent | $389,000$431/sqft |
Source: Bright MLS #MDAA2139810 Report a problem | ||
| 3/28/2026 | Listed for sale | $389,000-9.3%$431/sqft |
Source: Bright MLS #MDAA2139810 Report a problem | ||
| 12/4/2025 | Listing removed | $429,000$476/sqft |
Source:  Engel & Volkers #MDAA2124062 Report a problem | ||
| 8/21/2025 | Listed for sale | $429,000+110.3%$476/sqft |
Source: Bright MLS #MDAA2124062 Report a problem | ||
| 1/6/2023 | Sold | $204,000$226/sqft |
Source: Bright MLS #MDAA2048990 Report a problem | ||
| 12/7/2022 | Pending sale | $204,000$226/sqft |
Source: Bright MLS #MDAA2048990 Report a problem | ||
| 12/2/2022 | Listed for sale | $204,000+134.5%$226/sqft |
Source: Bright MLS #MDAA2048990 Report a problem | ||
| 3/24/2021 | Listing removed | -- |
Source: Owner Report a problem | ||
| 2/10/2017 | Listing removed | $1,250+4.2%$1/sqft |
Source: Owner Report a problem | ||
| 12/29/2015 | Listing removed | $1,200$1/sqft |
Source: Owner Report a problem | ||
| 12/10/2015 | Listed for rent | $1,200$1/sqft |
Source: Owner Report a problem | ||
| 12/31/2001 | Sold | $87,000+330.2%$96/sqft |
Source: Public Record Report a problem | ||
| 9/7/1994 | Sold | $20,225$22/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,980 +5% | $207,967 +5.3% |
| 2024 | $2,837 +5.7% | $197,433 +5.6% |
| 2023 | $2,684 +16.3% | $186,900 +14.1% |
| 2022 | $2,308 +16.4% | $163,800 +16.4% |
| 2021 | $1,982 +19.6% | $140,700 +19.6% |
| 2020 | $1,658 +0.7% | $117,600 |
| 2019 | $1,647 +2.2% | $117,600 +1.5% |
| 2018 | $1,612 +7.4% | $115,867 +0.8% |
| 2017 | $1,501 | $115,000 |
| 2016 | -- | $115,000 |
| 2015 | -- | $115,000 -3.4% |
| 2014 | -- | $119,000 |
| 2013 | -- | $119,000 |
| 2012 | -- | $119,000 -20.7% |
| 2011 | -- | $150,070 |
| 2010 | -- | $150,070 |
| 2009 | -- | $150,070 -2.6% |
| 2008 | -- | $154,050 +18.3% |
| 2007 | -- | $130,186 +22.4% |
| 2006 | -- | $106,323 +28.9% |
| 2005 | -- | $82,460 +3.9% |
| 2004 | -- | $79,376 +4% |
| 2003 | -- | $76,293 +4.2% |
| 2002 | -- | $73,210 |
| 2001 | -- | $73,210 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 21401
Nearby schools
Schools provided by the listing agent
- District: Anne Arundel County Public Schools
Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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