198 Clay St, Annapolis, MD, 21401
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.
Getting Around
Somewhat Walkable
Some Transit
BikeableSchools
Construction
Condition
- Year built: 1920
Materials
- Foundation: Slab
- Construction materials: Vinyl Siding
Type & Style
- Home type: Townhouse
- Architectural style: Traditional
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Electric Water Heater
- Laundry features: Main Level
Basement
- Area: 0
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Finished area below ground: 0
- Finished area above ground: 902
Heating & Cooling
- Heating features: Baseboard,Electric
- Cooling features: Ductless,Electric
Interior Area
- Total structure area: 902
- Total interior livable area: 902 sqft
Property
Accessibility
- Accessibility features: Accessible Entrance
Details
- Parcel number: 020600004784900
- Zoning: R
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: None
Lot
- Lot size: 1,500 sqft
Parking
- Parking features: On Street
- 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
- 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 | $1,896 | $22,752 |
| Home Insurance * | $94 | $1,128 |
| Property Taxes | $453 | $5,436 |
| Electricity | $281 | $3,374 |
| Total | $2,724 | $32,688 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-22 | Listed for sale | $389,000 |
| 2026-04-19 | Contingent | $389,000 |
| 2026-03-28 | Listed for sale | $389,000 |
| 2025-12-04 | Listing removed | $429,000 |
| 2025-08-21 | Listed for sale | $429,000 |
| 2023-01-06 | Sold | $204,000 |
| 2022-12-07 | Pending sale | $204,000 |
| 2022-12-02 | Listed for sale | $204,000 |
| 2021-03-24 | Listing removed | -- |
| 2017-02-10 | Listing removed | $1,250 |
| 2015-12-29 | Listing removed | $1,200 |
| 2015-12-10 | Listed for rent | $1,200 |
| 2001-12-31 | Sold | $87,000 |
| 1994-09-07 | Sold | $20,225 |
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