OFF MARKET

Off Market Nov 2019 for $454K

$686,952

Est. refi paymentEst. refi $3,324/mo

•

3 ba

•

1,664

sq ft

985 Headwater Rd, Annapolis, MD 21403

About this home

Wonderful family home in desirable Kitty Creek and ready for you to move in! Kitchen overlooking brick fireplace with wood stove insert for warm family conversations. Stainless steel appliances, granite counter tops, pantry and formal dining room all add to family gatherings. Gleaming hardwood floors greet you at the front door. Master closets are walk-ins with built-ins for easy organizing. All bathrooms have been updated and LL half bath is super-sized for easy cleaning of boating equipment or pets! Laundry has stainless steel washer/dryer and is on main floor for easy access. Deck overlooking fenced-in huge rear yard just waiting for family fun. Walk down the street to the community dock for boating or crabbing. Come see this family-ready home just waiting to be lived in!

Single-familyProperty Type

1986Year Built

0.36 acresLot Size

$413Est. Price/Sq.Ft.

1 spaceParking

Listed by Betsy Williams • Long & Foster Real Estate, Inc.

•410-260-2800 (broker)

Bought with Phil Gerdes • Long & Foster Real Estate, Inc.

•410-263-3400 (broker)

Redfin checked: 4 minutes ago

•Source:BRIGHT MLS #MDAA405302

Redfin Estimate

$686,952

$232K since sold in November 2019$15K since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 9.6% lower than the average sale price ($760K) of 5 comparable homes.

SOLD JUL 10, 2026
$700,000
A
5 beds3 baths2,600 sq ft
1022 Harbor Dr, Annapolis, MD 21403
SOLD JUL 7, 2026
$750,000
B
4 beds3 baths1,964 sq ft
1307 Blackwalnut Ct, Annapolis, MD 21403
SOLD JUL 13, 2026
$689,900
C
4 beds3.5 baths1,809 sq ft
110 Kuethe Dr, Annapolis, MD 21403
SOLD APR 17, 2026
$875,000
D
3 beds3.5 baths3,103 sq ft
1202 Chrisland Ct, Annapolis, MD 21403
SOLD FEB 21, 2026
$785,000
E
2 beds2.5 baths1,801 sq ft
3109 Ervin Ct, Annapolis, MD 21403

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Earn from this home

Sell

$332,436

Est. take-home

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Refinance

Est. cash available

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Rent

$3,065/mo

Redfin rental estimate

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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 14 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

Redfin agents who toured

Great looking house that sits on a large, flat lot. Good sized bedrooms.
7 years ago• May not reflect the current state of the home
Joe Fazio
Redfin Associate agent

Sale history for 985 Headwater Rd

Date

Event

Price

BRIGHT MLS #MDAA405302

Nov 8, 2019

Sold

$454,500

$273/sq ft

Sep 6, 2019

Contingent

—

Jun 28, 2019

Listed

$459,000

$276/sq ft

BRIGHT MLS #MDAA378908

Jun 26, 2019

Listing Removed

—

Apr 30, 2019

Price Changed

$469,000

$282/sq ft

Mar 26, 2019

Listed

$489,000

$294/sq ft

BRIGHT MLS #1002000244

Jan 8, 2019

Listing Removed

—

Oct 19, 2018

Relisted

—

Oct 6, 2018

Contingent

—

Sep 21, 2018

Price Changed

$489,000

$294/sq ft

Sep 4, 2018

Price Changed

$499,900

$300/sq ft

Jul 7, 2018

Listed

$529,000

$318/sq ft

Public Records

Jun 2, 2006

Sold

$351,500

$211/sq ft

Public Records

Nov 27, 2001

Sold

$235,000

$141/sq ft

Public Records

Jul 9, 1991

Sold

$171,000

$103/sq ft

Public Records

Jun 16, 1986

Sold

$114,350

$69/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$6,201 (+4.9%)

$315,600 + $232,800

$548,400

2024

$5,914 (+6.1%)

2023

$5,574 (+5.0%)

2022

$5,311

$285,600 + $181,500

$467,100

2021

$5,311 (−1.2%)

$285,600 + $181,500

$467,100

2020

$5,377 (+7.7%)

$285,600 + $181,500

$467,100

2019

$4,992 (+11.8%)

$315,600 + $161,400

$477,000

2018

$4,466 (+8.7%)

2017

$4,107 (−1.3%)

$201,100 + $164,400

$365,500

2016

$4,163 (−1.3%)

2015

$4,218 (+46.6%)

$201,100 + $164,100

$365,200

2014

$2,878 (+4.1%)

2013

$2,766 (+3.0%)

2012

$2,685 (+5.6%)

2011

$2,544

2010

$2,544 (+18.3%)

2009

$2,151

Tax history for 985 Headwater Rd

Year

Property tax

Land + Additions

Assessment*

2025

$6,201 (+4.9%)

$315,600 + $232,800

$548,400

2024

$5,914 (+6.1%)

2023

$5,574 (+5.0%)

2022

$5,311

$285,600 + $181,500

$467,100

2021

$5,311 (−1.2%)

$285,600 + $181,500

$467,100

2020

$5,377 (+7.7%)

$285,600 + $181,500

$467,100

2019

$4,992 (+11.8%)

$315,600 + $161,400

$477,000

2018

$4,466 (+8.7%)

2017

$4,107 (−1.3%)

$201,100 + $164,400

$365,500

2016

$4,163 (−1.3%)

2015

$4,218 (+46.6%)

$201,100 + $164,100

$365,200

2014

$2,878 (+4.1%)

2013

$2,766 (+3.0%)

2012

$2,685 (+5.6%)

2011

$2,544

2010

$2,544 (+18.3%)

2009

$2,151

*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

Stories

Lot width

—

Lot depth

—

Lot size

0.36 Acres

Year renovated

—

Sq. Ft.

1,664

Year built

1986

Style

Single Family Residential

County

Anne Arundel County

APN

02 45090027504

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jul 17, 2026.

Property details

Parking

Parking Information
# of Attached Garage Spaces: 1
Garage Features: Built In, Garage - Front Entry, Garage Door Opener, Inside Access
# of Total Garage and Parking Spaces: 1
Has Garage
# of Garage Spaces: 1
Asphalt Driveway
Attached Garage, Driveway

Interior

Bedroom Information
# of Bedrooms On 1st Upper Level: 3

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

Interior Information
Appliances: Built-In Microwave, Commercial Range, Dishwasher, Disposal, Dryer - Front Loading, Dryer - Electric, Exhaust Fan, Icemaker, Microwave, Oven - Single, Oven/Range - Electric, Range Hood, Refrigerator, Stove, Washer - Front Loading, Water Conditioner - Owned, Water Heater
Door Features: Storm
Flooring Type: Hardwood
Not Furnished
Interior Features: Built-Ins, CeilngFan(s), Combination Kitchen/Living, Family Room Off Kitchen, Floor Plan - Traditional, Formal/Separate Dining Room, Kitchen - Country, Kitchen - Island, Master Bath(s), Pantry, Stall Shower, Upgraded Countertops, Walk-in Closet(s), Water Treat System, Window Treatments, Wood Floors, Wood Stove
Living Area Sq.Ft. Source: Estimated
Wall & Ceiling Types: Brick, Dry Wall

Room Information
Living Room, Dining Room, Master Bedroom, Bedroom 2, Kitchen, Family Room, Basement, Foyer, Bedroom 1, Laundry, Storage Room, Utility Room, Bathroom 1, Master Bathroom, Half Bath
Laundry Type: Main Floor, Dryer In Unit, Washer In Unit

Fireplace Information
Has Fireplace
# of Fireplaces: 1
Fireplace - Glass Doors (N), Insert, Wood

Basement Information
Basement: Yes
Other, Combination, Improved, Partially Finished, Rear Entrance, Poured Concrete, Shelving, Walkout Stairs

Exterior

Property Information
Not Federal Flood Zone
Total Below Grade Sq. Ft.: 0
Accessibility Features: Doors - Lever Handle(s), Level Entry - Main
Horse: No
Improvement Assessed Value: $161,400
Ownership Interest: Fee Simple
Year Built Source: Assessor

Building Information
Construction Materials: Aluminum Siding, Block, Combination, Frame
Foundation Details: Block, Slab
Main Entrance Orientation: West
Other Structures: Above Grade, Below Grade
Pets Allowed: Yes
Pet Restrictions: Cats OK, Dogs OK
Roof: Shingle
Structure Type: Detached
Window Features: Screens, Vinyl Clad
Other Structures: Wood/Metal Shed

Exterior Information
Sidewalks, Street Lights, Other
Fencing: Wood

Lot Information
Lot Features: Backs to Trees, Cleared, Front Yard, Landscaping, Level, No Thru Street, Private, Rear Yard, Road Frontage, SideYard(s)
Lot Size Dimensions: 0.36a
Lot Dimensions Source: Estimated
Navigable Water
Tidal Water: No

Land Information
Land Assessed Value: $315,600

Above Grade Information
Finished Sq.Ft.: 1,664
Finished Sq.Ft. Source: Estimated

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

Financial

Tax Information
Agricultural Tax Due: No
County Tax: $4,103
Tax Assessed Value: $439,833
Tax Year: 2018
Tax Annual Amount: $4,401

Assessments Information
Year Assessed: 2019

Lease Information
Lease Considered: No

Utilities

Utilities Information
Central Air
Cooling Type: Ceiling Fan(s), Central A/C, Heat Pump(s), Programmable Thermostat
Cooling Fuel: Electric
Central, Programmable Thermostat, Wood Burn Stove
Heating Fuel: Electric, Wood
Sewer Septic: Public Sewer
Electric Available, Cable TV Available, Phone Available, Sewer Available, Water Available
Water Source: Conditioner, Filter, Well
Municipal Trash: Yes

Location

Homeowners Association Information
HOA/Condo/Coop Fee Includes: Common Area Maintenance, Pier/Dock Maintenance
HOA/Condo/Coop Amenities: Pier/Dock, Water/Lake Privileges
HOA Fee: $180
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: Forest Drive to right on Arundel on the Bay Rd. Right on Headwater Rd (Kitty Creek) and house is just down on the left.
Entry Floor Number: 1
Mean Low Water Feet: 2

Waterfrontage Information
Water Access Features: Canoe/Kayak, Personal Watercraft (PWC), Private Access
Water Access
Water Oriented
Water Body Type: Creek
Water Body Name: Duvall Creek

Community Information
# of Community Docks: 1

Public facts

Beds: —
Baths: 3.0
Sq. Ft.: 1,664
Stories: 2.0
Lot Size: 0.36 acres
Style: Single Family Residential
Year Built: 1986
Year Renovated: —
County: Anne Arundel County
APN: 02 45090027504

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

$653,000 – $790,000

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Nearby similar homes

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New listings for sale in 21403

COMING SOON

$975,000

4 beds3.5 baths2,568 sq ft

1326 Harbor Rd, Annapolis, MD 21403

(410) 263-3400

NEW 14 HRS AGO

$1,700,000

4 beds3 baths3,142 sq ft

1323 Magnolia Ave, Annapolis, MD 21403

(410) 972-4000

EARLY ACCESSCOMPASS COMING SOON

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$850,000

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327 Beach Dr, Annapolis, MD 21403

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$895,000

2 beds2.5 baths1,454 sq ft

8 Spa Creek Lndg Unit A3, Annapolis, MD 21403

(410) 268-8696

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3 beds2.5 baths2,700 sq ft

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(410) 263-8686

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(410) 280-5600

OPEN SAT, 11AM TO 1PM

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(410) 266-0600

LISTED BY REDFIN

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4 beds3.5 baths1,960 sq ft

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Home values near 985 Headwater Rd

Data from public records.

Address	Redfin Estimate
977 Headwater Road, Annapolis, MD - Beds \| 2.5 Baths \| 1824 Sq. Ft.	$686,122
983 Headwater Road, Annapolis, MD - Beds \| 2.5 Baths \| 2435 Sq. Ft.	$812,573

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

Address	Redfin Estimate
981 Headwater Road, Annapolis, MD 4 Beds \| 2.5 Baths \| 2924 Sq. Ft.	$865,869
989 Headwater Road, Annapolis, MD - Beds \| 2.5 Baths \| 1988 Sq. Ft.	$736,854

Property information provided by BRIGHT MLS when last listed in 2019. This data may not match . Learn more.

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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

Redfin agents who toured

Sale history for 985 Headwater Rd

Tax history for 985 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 985 Headwater Rd

More real estate resources