996 Headwater Rd, Annapolis, MD, 21403
About This Home
Waterfront home nestled in the serene enclave of Kitty Creek; located right off the South River with easy access to the Chesapeake Bay. This recently updated home offers the perfect blend of luxury, comfort, and waterfront living. Inside, you’re welcomed by refinished hardwood floors and abundant natural light. The updated kitchen features new GE stainless steel appliances and opens to a cozy living room with a wood-burning fireplace and direct access to the deck; ideal for dining under the stars overlooking the peaceful backyard and creek. A main-level laundry/mudroom with side entrance and ramp adds everyday convenience.The primary suite is a true retreat, featuring a waterfront-facing design with a private balcony and updated en-suite bath. Three additional bedrooms with new carpet offer flexibility for guests, a home office, or growing needs. The fully finished walkout lower level provides a private in-law suite with its own entrance, full kitchen, large updated bath, and laundry hookup; perfect for extended stays or entertaining. Outside, enjoy 50 feet of waterfront with a private dock slip, kayak rack, and a spacious .41-acre lot offering plenty of room to relax, garden, or play. Ideally located with easy access to Annapolis, BWI, and DC, this home offers the best of peaceful waterfront living in Annapolis and everyday convenience.
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Excellent
- Year built: 1986
Materials
- Foundation: Concrete Perimeter
- Roof: Asphalt
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional,Transitional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Built-In Range,Microwave,Dishwasher,Refrigerator,Extra Refrigerator/Freezer,Electric Water Heater
- Laundry features: Hookup,Main Level,Lower Level,Washer/Dryer Hookups Only
Basement
- Area: 588
Basement
- Has basement: Yes
- Basement: English,Walk-Out Access,Rear Entrance
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- 2nd Kitchen,Bathroom - Tub Shower,Bathroom - Walk-In Shower,Breakfast Area,Ceiling Fan(s),Combination Kitchen/Living,Family Room Off Kitchen,Primary Bedroom - Bay Front,Primary Bath(s),Recessed Lighting,Upgraded Countertops
- Door features: French Doors,Sliding Glass
- Window features: Double Hung,Replacement,Skylight(s)
- Flooring: Hardwood,Carpet,Tile/Brick,Wood
- Number of fireplaces: 1
- Fireplace features: Insert,Mantel(s)
- Fireplace: Yes
- Finished area below ground: 588
- Finished area above ground: 1,700
Heating & Cooling
- Heating features: Heat Pump,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 2,288
- Total interior livable area: 2,288 sqft
Property
Accessibility
- Accessibility features: Accessible Approach with Ramp
Details
- Parcel number: 020245090027513
- Zoning: R2
- Zoning description: waterfront
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Fencing: Picket
- Has view: Yes
- View description: Creek/Stream
- Has water view: Yes
- Water view: Creek/Stream
- On waterfront: Yes
- Waterfront features: Private Dock Site,Creek/Stream
- Frontage length: Water Frontage Ft: 50
Lot
- Lot size: 0.41 Acres
Parking
- Parking features: Driveway
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Coastal Flooding
- Winter Weather
- Heat Wave
- Lightning
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,559 | $66,708 |
| Home Insurance * | $261 | $3,132 |
| Property Taxes | $1,084 | $13,008 |
| Electricity | $291 | $3,498 |
| Total | $7,195 | $86,340 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-09 | Listed for sale | $1,150,000 |
| 2017-01-09 | Sold | $549,000 |
| 2016-10-21 | Sold | $549,000 |
| 2016-09-10 | Pending sale | $549,000 |
| 2016-09-02 | Price change | $549,000 |
| 2016-08-17 | Price change | $575,000 |
| 2016-06-28 | Price change | $599,900 |
| 2016-06-10 | Listed for sale | $625,000 |
| 2014-07-11 | Listing removed | $3,100 |
| 2014-07-10 | Listed for rent | $3,100 |
| 2014-07-09 | Listing removed | $679,000 |
| 2014-06-15 | Price change | $679,000 |
| 2014-04-25 | Price change | $699,900 |
| 2014-04-12 | Price change | $719,000 |
| 2014-03-05 | Price change | $724,000 |
| 2014-02-22 | Price change | $729,000 |
| 2014-01-29 | Listed for sale | $739,000 |
| 2001-06-27 | Sold | $278,000 |
For Sale by Agent
View on Zillow