OFF MARKET

Off Market Jul 2025 for $766K

$865,869

Est. refi paymentEst. refi $5,049/mo

•

2,924

sq ft

981 Headwater Rd, Annapolis, MD 21403

About this home

Welcome to this wonderfully Improved & Upgraded 4 Bedroom Home that HAS IT ALL in the quaint sidewalk lined Community of Kitty Creek, a short walk to Hillsmere Elementary, St. Annes School of Annapolis, FEATURES INCLUDE:2025: Freshly painted Front Porch Main Level, New Clothes Dryer, New French Drain left side of home, 2024: New carpet: basement & 2nd floor, Repaired sheet rock in garage , New slider main level back door, New railing for outdoor basement steps, New basement storm w/ screen option & security door, New Pool salt cell #2, Home Water treatment system upgrade - Valve, NEWLY ADDED HVAC “SPLIT” system for the basement, New French drain on right side of home & backyard, 2023: MAIN Level renovation: Removed staircase wall to Living room & installed Built in Cabinetry & Paint entire first floor, New Rear fence w/ gates, New Electrical outlet, 2022: Replaced 200 Amp main electric panel and labeled all circuits, 2021: Pool Rehab included New Coping, Tile ETC. , Patio Landscaping included: Expanded existing Pool Deck ETC. ! , Home Water Treatment system upgrade, 2020: New Monogram Vinyl siding, w/ vinyl soffit, ETC , Entire Roof replacement, New aluminum gutters w/ gutter guards , New Sump pump & battery back up, Chimney/Fireplace repairs included a New Stainless Steel Chimney liner ETC. , New Pool pump, New Salt cell 1, SEE DETAILED IMPROVEMENTS LIST! Kitty Creek Community Boasts a Pier/Dock along w/ Kayak/Canoe/Inflatable Boat Rack area that provides convenient access to the South River and Chesapeake Bay; if water sports interest you, this location is PERFECT. With easy access to Quiet Waters Park, Peninsula Athletic League Park, Thomas Point Park, major highways and transportation, commuting to work or simply exploring Downtown Annapolis & Eastport is a breeze.

Single-familyProperty Type

1986Year Built

0.36 acresLot Size

$296Est. Price/Sq.Ft.

1 garage spacesParking

Listed by Gary Schneider • Long & Foster Real Estate, Inc.

•410-260-2800 (broker)

Bought with Anais Messaadi • Berkshire Hathaway HomeServices PenFed Realty

•410-647-8000 (broker)

•severnapark@penfedrealty.com (broker)

Redfin checked: 3 minutes ago

•Source:BRIGHT MLS #MDAA2117010

Redfin Estimate

$865,869

$100K since sold in July 2025$37K since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 6.5% lower than the average sale price ($926K) of 4 comparable homes.

SOLD SEP 4, 2026
$850,000
A
4 beds2.5 baths2,856 sq ft
1286 Ketch Ct, Annapolis, MD 21403
SOLD JUL 27, 2026
$855,000
B
4 beds2.5 baths2,976 sq ft
2701 Ogleton Rd, Annapolis, MD 21403
SOLD SEP 29, 2025
$1,250,000
C
4 beds3 baths3,250 sq ft
527 Lee Cir, Annapolis, MD 21403
SOLD JUL 7, 2026
$750,000
D
4 beds3 baths1,964 sq ft
1307 Blackwalnut Ct, Annapolis, MD 21403

Claim this home to receive a free report every month with insights on the changing estimate.

Earn from this home

Sell

$213,083

Est. take-home

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Refinance

Est. cash available

Get cash now or lower your monthly rate

Rent

$3,511/mo

Redfin rental estimate

List your home for rent

Market trends in 21403, MD

Last updated August 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-List Price

99.2%

0.0% MoM

Median sale price

$694K

$46K MoM

Avg. days on market

39d

3 days MoM

Recently sold homes

136

8 MoM

New listings for sale

COMING SOON
$975,000
4 beds3.5 baths2,568 sq ft
1326 Harbor Rd, Annapolis, MD 21403
(410) 263-3400
NEW 15 HRS AGO
$1,700,000
4 beds3 baths3,142 sq ft
1323 Magnolia Ave, Annapolis, MD 21403
(410) 972-4000
EARLY ACCESS
$525,000
4 beds3 baths1,985 sq ft
2 Silopanna Ct, Annapolis, MD 21403
$850,000
4 beds3 baths2,450 sq ft
327 Beach Dr, Annapolis, MD 21403
(301) 702-4200
$895,000
2 beds2.5 baths1,454 sq ft
8 Spa Creek Lndg Unit A3, Annapolis, MD 21403
(410) 268-8696
$879,000
3 beds2.5 baths2,700 sq ft
3401 Saratoga Ave, Annapolis, MD 21403
(410) 263-8686
$688,000
3 beds3 baths2,838 sq ft
10 Enclave Ct, Annapolis, MD 21403
(410) 280-5600
OPEN SAT, 11AM TO 1PM
$395,000
2 beds2 baths1,354 sq ft
952 Yachtsman Way, Annapolis, MD 21403
(410) 266-0600
LISTED BY REDFIN
$335,900
4 beds3.5 baths1,960 sq ft
57 Gentry Ct, Annapolis, MD 21403
$1,395,000
4 beds4.5 baths2,853 sq ft
1030 Boucher Ave, Annapolis, MD 21403
(410) 268-8696
See all

Provided by Redfin

Sale history for 981 Headwater Rd

Date

Event

Price

PROPERTYWARE #1

Aug 2, 2025

Rental Removed

$2,550

$1/sq ft

Jul 30, 2025

Listed for Rent

$2,550

$1/sq ft

BRIGHT MLS #MDAA2117010

Jul 25, 2025

Sold

$766,000

$262/sq ft

Jun 23, 2025

Contingent

—

Jun 20, 2025

Listed

$749,000

$256/sq ft

Jun 9, 2025

Coming Soon

$749,000

$256/sq ft

BRIGHT MLS #MDAA422470

May 29, 2020

Sold

$549,900

$188/sq ft

May 13, 2020

Pending

—

Apr 21, 2020

Contingent

—

Apr 7, 2020

Price Changed

$549,900

$188/sq ft

Feb 24, 2020

Price Changed

$559,999

$192/sq ft

Jan 23, 2020

Listed

$575,000

$197/sq ft

+39

Welcome to 981 Headwater Road! Located in the quaint, sidewalk lined neighborhood of Kitty Creek, this home is a short walk to St. Annes school of Annapolis and Hillsmere Elementary. Cycle to Quiet Waters and Thomas Point parks and quickly drive to Eastport and Historic Downtown Annapolis. This water privileged community will give you access to a pier where you can launch your kayak or canoe from the head of Kitty Duvall Creek or you can simply sit and enjoy the water views. This is a traditional Colonial home with a contemporary feel inside; newer bamboo flooring, updated white kitchen with updated counters and recessed lighting, modern appliances, renovated tile bathrooms, spacious bedrooms and large living spaces. You will see the interior has been freshly painted with neutral colors. Also, there is a large finished basement which adds extra living and storage space. You will also find a newer HVAC system, a dual tank water conditioner, and a hybrid water heater. In the warmer months, spend time outside gardening or barbecuing and entertaining poolside or enjoy the jacuzzi. Take pride in the curb appeal when you arrive home; offering a beautiful lawn and elegant pavers that will lead you to the covered porch surrounded by mature landscaping. The large lawn in fully fenced in, perfect for pets! Plus, plenty of parking for you and your visitors! If a commute is part of your day you will appreciate the close proximity to Route 50, 97, Ft. Meade and DC. Come see everything this home has to offer and make it yours, today!

Public Records

Jun 20, 2000

Sold

$240,000

$82/sq ft

Public Records

Apr 3, 1986

Sold

$116,400

$40/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$7,166 (+5.4%)

$315,600 + $329,000

$644,600

2024

$6,800 (+6.7%)

2023

$6,375 (+6.7%)

2022

$5,974 (+1.8%)

$285,600 + $254,800

$540,400

2021

$5,870 (+62.0%)

2020

$3,623 (+2.6%)

2019

$3,532 (+5.6%)

$315,600 + $195,000

$510,600

2018

$3,345 (+2.3%)

2017

$3,268 (+1.7%)

$201,100 + $198,400

$399,500

2016

$3,214 (+0.4%)

2015

$3,201 (+1.5%)

$201,100 + $198,100

$399,200

2014

$3,155 (+3.9%)

2013

$3,036 (+2.9%)

2012

$2,951 (+5.5%)

2011

$2,798

2010

$2,798 (+16.6%)

2009

$2,399

Tax history for 981 Headwater Rd

Year

Property tax

Land + Additions

Assessment*

2025

$7,166 (+5.4%)

$315,600 + $329,000

$644,600

2024

$6,800 (+6.7%)

2023

$6,375 (+6.7%)

2022

$5,974 (+1.8%)

$285,600 + $254,800

$540,400

2021

$5,870 (+62.0%)

2020

$3,623 (+2.6%)

2019

$3,532 (+5.6%)

$315,600 + $195,000

$510,600

2018

$3,345 (+2.3%)

2017

$3,268 (+1.7%)

$201,100 + $198,400

$399,500

2016

$3,214 (+0.4%)

2015

$3,201 (+1.5%)

$201,100 + $198,100

$399,200

2014

$3,155 (+3.9%)

2013

$3,036 (+2.9%)

2012

$2,951 (+5.5%)

2011

$2,798

2010

$2,798 (+16.6%)

2009

$2,399

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Public record
Permits

Beds

—

Baths

2.5

Stories

Lot width

—

Lot depth

—

Lot size

0.36 Acres

Year renovated

—

Sq. Ft.

2,924

Year built

1986

Style

Single Family Residential

County

Anne Arundel County

APN

02 45090027502

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jul 17, 2026.

Property details

Parking

Parking Information
Garage Sq. Ft.: 441
# of Attached Garage Spaces: 1
Garage Features: Garage - Front Entry, Additional Storage Area
# of Total Garage and Parking Spaces: 3
Has Garage
# of Garage Spaces: 1
Driveway - # of Spaces: 2
Concrete Driveway
Attached Garage, Driveway, On Street

Interior

Bedroom Information
# of Bedrooms On 1st Upper Level: 4

Bathroom Information
# of Bathrooms (Full) On 1st Upper Level: 2
# of Bathrooms (Half) On Main Level: 1
# of Bathrooms (Full) On All Upper Levels: 2
# of Bathrooms (Half): 1
# of Bathrooms (Full): 2

Interior Information
Appliances: Dishwasher, Disposal, Dryer, Dryer - Electric, Dryer - Front Loading, ENERGY STAR Clothes Washer, Exhaust Fan, Built-In Microwave, Oven/Range - Electric, Refrigerator, Stainless Steel Appliances, Washer, Washer - Front Loading, Water Conditioner - Owned, Water Heater
Door Features: Sliding Glass, Storm
Flooring Type: Bamboo, Carpet, Ceramic Tile, Concrete, Partially Carpeted
Interior Features: Attic, Stall Shower, Tub Shower, Built-Ins, Carpet, CeilngFan(s), Chair Railings, Combination Dining/Living, Combination Kitchen/Living, Crown Moldings, Dining Area, Family Room Off Kitchen, Floor Plan - Traditional, Kitchen - Country, Master Bath(s), Recessed Lighting, Wainscotting, Water Treat System, Other
Living Area Sq.Ft. Source: Assessor
Wall & Ceiling Types: Dry Wall, Block Walls

Room Information
Living Room, Dining Room, Master Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen, Family Room, Exercise Room, Laundry, Utility Room, Bathroom 2, Master Bathroom, Half Bath
Laundry Type: Main Floor

Fireplace Information
Has Fireplace
# of Fireplaces: 1
Brick, Mantel(s), Screen, Wood

Basement Information
Basement: Yes
Connecting Stairway, Daylight, Partial, Full, Interior Access, Heated, Improved, Outside Entrance, Partially Finished, Poured Concrete, Rear Entrance, Shelving, Sump Pump, Walkout Stairs

Exterior

Property Information
Not Federal Flood Zone
Total Below Grade Sq. Ft.: 952
Horse: No
Improvement Assessed Value: $329,000
Ownership Interest: Fee Simple
Property Condition: Excellent
Year Built Source: Assessor

Building Information
Construction Materials: Block, Vinyl Siding
Foundation Details: Block, Slab
Other Structures: Above Grade, Below Grade
Outdoor Living Structures: Porch(es), Roof, Patio(s)
Pets Allowed: Yes
Pet Restrictions: Cats OK, Dogs OK
Roof: Shingle
Structure Type: Detached
Window Features: Screens, Sliding, Green House
Other Structures: Shed
Building Not Winterized

Exterior Information
Extensive Hardscape, Exterior Lighting, Flood Lights, Sidewalks, Gutter System
Fencing: Fully, Picket, Rear, Wood

Pool Information
Personal Pool
Concrete, Heated, Fenced, Filtered, Pool/Spa Combo, Saltwater, In Ground

Lot Information
Lot Features: Backs to Trees, Front Yard, Landscaping, Level, Rear Yard, SideYard(s), Poolside
Navigable Water
Tidal Water: No

Land Information
Land Assessed Value: $315,600

Above Grade Information
Finished Sq.Ft.: 1,972
Finished Sq.Ft. Source: Assessor

Below Grade Information
Unfinished Sq.Ft. Source: Assessor
Finished Sq.Ft.: 952
Finished Sq.Ft. Source: Assessor

Financial

Tax Information
Agricultural Tax Due: No
County Tax: $6,298
Tax Assessed Value: $609,867
Tax Year: 2024
Tax Annual Amount: $6,678

Assessments Information
Year Assessed: 2025

Lease Information
Lease Considered: No

Utilities

Utilities Information
Central Air
Cooling Type: Ceiling Fan(s), Ductless/Mini-Split, Programmable Thermostat, Central A/C
Cooling Fuel: Electric
200+ Amp Service
Heat Pump(s)
Heating Fuel: Electric
Hot Water: Electric, 60+ Gallon Tank
Sewer Septic: Public Sewer
Propane, Under Ground
Water Source: Well
Municipal Trash: Yes

Location

Homeowners Association Information
HOA/Condo/Coop Fee Includes: Common Area Maintenance, Pier/Dock Maintenance
HOA/Condo/Coop Amenities: Common Grounds, Boat Slip
HOA Email: KITTYCREEKHOA@GMAIL.COM
HOA Fee: $237.09
HOA Fee Frequency: Annually

School Information
Elementary School: HILLSMERE
Middle Or Junior School: ANNAPOLIS
High School: ANNAPOLIS
School District Name: ANNE ARUNDEL COUNTY PUBLIC SCHOOLS
Elementary School Source: 3rd Party
Middle School Source: 3rd Party
High School Source: 3rd Party
School District Source: 3rd Party

Location Information
Outside City Limits
Directions: SEE MAPS
Mean Low Water Feet: 2

Waterfrontage Information
Water Access Features: Canoe/Kayak, Private Access
Water Access
Water Oriented
Water Body Type: Creek
Water Body Name: SOUTH RIVER

Community Information
# of Community Docks: 1

Public facts

Beds: —
Baths: 2.5
Sq. Ft.: 2,924
Stories: 2.0
Lot Size: 0.36 acres
Style: Single Family Residential
Year Built: 1986
Year Renovated: —
County: Anne Arundel County
APN: 02 45090027502

Home facts updated by county records on Jul 17, 2026

Around this home

Schools

Hillsmere Elementary School

Public PreK-5 • Assigned • 0.3mi

10/10

Annapolis Middle School

Public 6-8 • Assigned • 2.1mi

3/10

Annapolis High School

Public 9-12 • Assigned • 5.1mi

4/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

8/10 Heat Factor

7 days above 105° expected this year, 15 days in 30 years

6/10 Wind Factor

66% chance of strong winds in next 30 years

3/10 Air Factor

3 unhealthy days expected this year, 4 days in 30 years

Provided by First Street

Historical weather

Annapolis, MD • 21403

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.3 hours in June and 4.7 hours in December, which is comparable to the U.S. average for solar exposure.

9.3 hrs

4.7 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$823,000 – $996,000

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New listings for sale in 21403

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EARLY ACCESSCOMPASS COMING SOON

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(410) 266-0600

LISTED BY REDFIN

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Home values near 981 Headwater Rd

Data from public records.

Address	Redfin Estimate
977 Headwater Rd, Annapolis, MD - Beds \| 2.5 Baths \| 1824 Sq. Ft.	$686,122
985 Headwater Rd, Annapolis, MD 3 Beds \| 3 Baths \| 1664 Sq. Ft.	$686,952

Address	Redfin Estimate
979 Headwater Rd, Annapolis, MD - Beds \| 2.5 Baths \| 1700 Sq. Ft.	$705,054
987 Headwater Rd, Annapolis, MD - Beds \| 2.5 Baths \| 2048 Sq. Ft.	$754,535

Address	Redfin Estimate
983 Headwater Rd, Annapolis, MD - Beds \| 2.5 Baths \| 2435 Sq. Ft.	$812,573
989 Headwater Rd, Annapolis, MD - Beds \| 2.5 Baths \| 1988 Sq. Ft.	$736,854

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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Redfin Estimate

Earn from this home

Market trends in 21403, MD

Sale history for 981 Headwater Rd

Tax history for 981 Headwater Rd

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 21403

Home values near 981 Headwater Rd

More real estate resources