About this home

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.

Facts and features

Schools

• Wiley H. Bates Middle School

  middle · 6-8 · 0.6 mi

  5

• Annapolis Elementary School

  elementary · K-5 · 0.7 mi

  5

• Annapolis High School

  high · 9-12 · 3.5 mi

  4

• Book Of Life Academy

  elementary · K-5 · 0.4 mi

• Mary Moss at Adams Academy

  elementary · K-12 · 0.1 mi

• Phoenix Academy

  middle · 6-12 · 0.1 mi

  2

Price history

• Jul 14, 2026 · Price Changed$375,000
• Mar 27, 2026 · Listed$389,000
• Dec 4, 2025 · Listing Removed—
• Aug 21, 2025 · Listed$429,000
• Jan 6, 2023 · Sold$204,000
• Dec 2, 2022 · Listed$204,000
• Jan 3, 2002 · Sold$87,000
• Sep 7, 1994 · Sold$20,225

Tax history

• 2026$3,118 tax · $218,500 assessed
• 2025$2,980 tax · $218,500 assessed
• 2024$2,837 tax · $207,967 assessed
• 2023$2,683 tax · $186,900 assessed
• 2022$2,307 tax · $163,800 assessed
• 2021$1,982 tax · $140,700 assessed
• 2020$1,658 tax · $117,600 assessed
• 2019$1,647 tax · $116,733 assessed

Home value

$371,000

• Collateral Analytics$371,000
• Quantarium$368,870
• Cotality$379,900

Where it is