COMING SOON! Beautifully refreshed waterfront colonial on a cul-de-sac, now offered with a substantial price improvement. Every inch shines with all-new interior and exterior paint, refinished hardwoods, and all-new carpeting. Main level kitchen has been upgraded with a new GE stainless steel appliance suite, combined with a family room that opens onto a deck with views of the creek, fire circle, playset area, and your own private pier with a boat slip. Main level mud room with laundry, built-in storage, and side entrance. Second level features a primary bedroom with a private balcony, upgraded fixtures in the primary and hall bathrooms, and three additional bedrooms. The fully-finished walkout lower level features granite counters, heated ceramic floors, a built-in electric fireplace, a second kitchen, and a spa bath with a second laundry room—perfect for guests or income potential. Enjoy maximum versatility and serenity minutes from Downtown Annapolis and the Naval Academy! Assumable first mortgage available at 3.25%. Additional professional pics forthcoming
Coming soon 10/23
$950,000
996 Headwater Rd, Annapolis, MD 21403
4beds
2,288sqft
Single Family Residence
Built in 1986
0.42 Acres Lot
$1,028,100 Zestimate®
$415/sqft
$19/mo HOA
What's special
- 5 days
- 877
- 84
Zillow last checked:
Listing updated:
Listed by:
Greg Koch 410-802-6006,
Taylor Properties 301-970-2447
Source: Bright MLS,MLS#: MDAA2159150
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Basement
- Area: 784
Heating
- Forced Air, Electric
Cooling
- Central Air, Electric
Appliances
- Included: Microwave, Dishwasher, Oven/Range - Electric, Six Burner Stove, Stainless Steel Appliance(s), Water Treat System, Electric Water Heater
Features
- 2nd Kitchen, Bathroom - Walk-In Shower, Breakfast Area, Dining Area, Family Room Off Kitchen, Kitchen - Gourmet, Upgraded Countertops
- Flooring: Wood
- Basement: Finished,Connecting Stairway,Walk-Out Access
- Number of fireplaces: 2
Interior area
- Total structure area: 2,484
- Total interior livable area: 2,288 sqft
- Finished area above ground: 1,700
- Finished area below ground: 588
Property
Parking
- Total spaces: 3
- Parking features: Garage Faces Front, Attached, Driveway, On Street
- Attached garage spaces: 1
- Uncovered spaces: 2
Accessibility
- Accessibility features: Accessible Approach with Ramp
Features
- Levels: Three
- Stories: 3
- Patio & porch: Deck, Patio
- Exterior features: Extensive Hardscape
- Pool features: None
- Has view: Yes
- View description: Creek/Stream
- Has water view: Yes
- Water view: Creek/Stream
- Waterfront features: Private Dock Site, Boat - Powered, Canoe/Kayak, Fishing Allowed, Private Access
- Body of water: Duvall
- Frontage length: Water Frontage Ft: 50
Lot
- Size: 0.42 Acres
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 020245090027513
- Zoning: R2
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subtype: Single Family Residence
Materials
- HardiPlank Type
- Foundation: Block
Condition
- Very Good
- New construction: No
- Year built: 1986
Utilities & green energy
- Sewer: Public Sewer
- Water: Well
Community & HOA
Community
- Subdivision: Kitty Creek
HOA
- Has HOA: Yes
- Amenities included: Boat Dock/Slip
- HOA fee: $230 annually
- HOA name: KITTY CREEK ASSOCIATION
Location
- Region: Annapolis
Financial & listing details
- Price per square foot: $415/sqft
- Tax assessed value: $751,300
- Annual tax amount: $8,583
- Date on market: 10/23/2026
- Listing agreement: Exclusive Right To Sell
- Listing terms: Conventional,FHA,VA Loan
- Ownership: Fee Simple
Estimated market value
$1,028,100
$977,000 - $1.08M
$4,910/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/26/2026 | Listing removed | $1,099,500+4.8%$481/sqft |
Source:  Engel & Volkers #MDAA2143898 Report a problem | ||
| 8/5/2026 | Price change | $1,049,000-4.6%$458/sqft |
Source:  Bright MLS #MDAA2143898 Report a problem | ||
| 6/11/2026 | Price change | $1,099,500-2.3%$481/sqft |
Source: Bright MLS #MDAA2143898 Report a problem | ||
| 6/3/2026 | Price change | $1,125,000-2.2%$492/sqft |
Source: Bright MLS #MDAA2143898 Report a problem | ||
| 5/9/2026 | Listed for sale | $1,150,000+109.5%$503/sqft |
Source: Bright MLS #MDAA2143898 Report a problem | ||
| 1/9/2017 | Sold | $549,000$240/sqft |
Source: Public Record Report a problem | ||
| 10/21/2016 | Sold | $549,000$240/sqft |
Source: Agent Provided Report a problem | ||
| 9/10/2016 | Pending sale | $549,000$240/sqft |
Source: Long & Foster Real Estate, Inc. #AA9683246 Report a problem | ||
| 9/2/2016 | Price change | $549,000-4.5%$240/sqft |
Source: Long & Foster Real Estate, Inc. #AA9683246 Report a problem | ||
| 8/17/2016 | Price change | $575,000-4.2%$251/sqft |
Source: Long & Foster Real Estate, Inc. #AA9683246 Report a problem | ||
| 6/28/2016 | Price change | $599,900-4%$262/sqft |
Source: Long & Foster Real Estate, Inc. #AA9683246 Report a problem | ||
| 6/10/2016 | Listed for sale | $625,000-8%$273/sqft |
Source: Long & Foster Real Estate, Inc. #AA9683246 Report a problem | ||
| 7/11/2014 | Listing removed | $3,100$1/sqft |
Source: Long & Foster Real Estate, Inc. #AA8367863 Report a problem | ||
| 7/10/2014 | Listed for rent | $3,100$1/sqft |
Source: Long & Foster Real Estate, Inc. #AA8367863 Report a problem | ||
| 7/9/2014 | Listing removed | $679,000$297/sqft |
Source: Long & Foster Real Estate #AA8261159 Report a problem | ||
| 6/15/2014 | Price change | $679,000-3%$297/sqft |
Source: Long & Foster Real Estate #AA8261159 Report a problem | ||
| 4/25/2014 | Price change | $699,900-2.7%$306/sqft |
Source: Long & Foster Real Estate #AA8261159 Report a problem | ||
| 4/12/2014 | Price change | $719,000-0.7%$314/sqft |
Source: Long & Foster Real Estate #AA8261159 Report a problem | ||
| 3/5/2014 | Price change | $724,000-0.7%$316/sqft |
Source: Long & Foster Real Estate #AA8261159 Report a problem | ||
| 2/22/2014 | Price change | $729,000-1.4%$319/sqft |
Source: Long & Foster Real Estate #AA8261159 Report a problem | ||
| 1/29/2014 | Listed for sale | $739,000+165.8%$323/sqft |
Source: Long & Foster Real Estate #AA8261159 Report a problem | ||
| 6/27/2001 | Sold | $278,000$122/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $8,166 +14.4% | $701,667 +7.6% |
| 2024 | $7,140 +8.5% | $652,033 +8.2% |
| 2023 | $6,578 +4.5% | $602,400 |
| 2022 | $6,295 | $602,400 |
| 2021 | $6,295 -1.3% | $602,400 -1.2% |
| 2020 | $6,377 +4.9% | $609,700 |
| 2019 | $6,078 +8.7% | $609,700 +10.6% |
| 2018 | $5,590 +5% | $551,300 +5.6% |
| 2017 | $5,322 | $522,100 +0.6% |
| 2016 | -- | $519,200 +0.6% |
| 2015 | -- | $516,300 +0.6% |
| 2014 | -- | $513,400 |
| 2013 | -- | $513,400 |
| 2012 | -- | $513,400 -15.4% |
| 2011 | -- | $606,640 +1.9% |
| 2010 | -- | $595,550 +1.9% |
| 2009 | -- | $584,460 +1.9% |
| 2008 | -- | $573,370 +23.8% |
| 2007 | -- | $463,270 +31.2% |
| 2006 | -- | $353,170 +45.3% |
| 2005 | -- | $243,070 +4.9% |
| 2004 | -- | $231,742 +5.1% |
| 2003 | -- | $220,416 +5.4% |
| 2002 | -- | $209,090 +6.4% |
| 2001 | -- | $196,466 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: 21403
Nearby schools
Schools provided by the listing agent
- Elementary: Hillsmere
- Middle: Annapolis
- High: Annapolis
- 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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