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
$389,000
198 Clay St, Annapolis, MD 21401
2beds
902sqft
Townhouse
Built in 1920
1,500 Square Feet Lot
$-- Zestimate®
$431/sqft
$-- HOA
What's special
Fenced rear yardFour mini-split unitsNew sidingRare rear parkingAll new upstairs windows
- 106 days |
- 953 |
- 49 |
Zillow last checked:
Listing updated:
Listed by:
Kerry O'Hara 410-507-0834,
Engel & Volkers Annapolis (443) 292-6767
Source: Bright MLS,MLS#: MDAA2139810
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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: $431/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
$2,537/mo
Price history
| Date | Event | Price |
|---|---|---|
| 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 | -- | $73,210 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 21401
Nearby schools
GreatSchools rating
- 5/10Annapolis Elementary SchoolGrades: PK-5Distance: 0.7 mi
- 5/10Wiley H. Bates Middle SchoolGrades: 6-8Distance: 0.6 mi
- 5/10Annapolis High SchoolGrades: 9-12Distance: 3.5 mi
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.
- $283,8002 bd1 ba1.4k sqft196 Clay St, Annapolis, MD 21401Off Market
- $227,900-- bd1 ba956 sqft200 Clay St, Annapolis, MD 21401Off Market
- $338,400-- bd2 ba1.8k sqft194 Clay St, Annapolis, MD 21401Off Market
- $242,900-- bd1 ba982 sqft202 Clay St, Annapolis, MD 21401Off Market
- $340,8003 bd2 ba1.5k sqft190 Clay St, Annapolis, MD 21401Off Market
- $285,0002 bd2 ba1.2k sqft192 Clay St, Annapolis, MD 21401Sold
- $311,500-- bd1 ba1k sqft204 Clay St, Annapolis, MD 21401Off Market
- $224,000-- bd1 ba864 sqft182 Clay St, Annapolis, MD 21401Off Market
A local agent can set up tours, give advice and negotiate with sellers.
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- Maryland
- Anne Arundel County
- Annapolis
- 21401
- 198 Clay St
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