981 Headwater Rd Annapolis, MD 21403
4
Beds
2.5
Baths
2,924
Sq Ft
0.36
Acres
Highlights
- Boat Dock
- Canoe or Kayak Water Access
- View of Trees or Woods
- Home fronts navigable water
- Heated Pool and Spa
- Colonial Architecture
About This Home
As of July 2025Welcome 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.
Last Agent to Sell the Property
Long & Foster Real Estate, Inc. License #611843 Listed on: 06/20/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $6,678
Year Built
- Built in 1986
Lot Details
- 0.36 Acre Lot
- Home fronts navigable water
- Creek or Stream
- Picket Fence
- Wood Fence
- Landscaped
- Extensive Hardscape
- Level Lot
- Backs to Trees or Woods
- Back Yard Fenced, Front and Side Yard
- Property is in excellent condition
- Property is zoned R2
HOA Fees
- $20 Monthly HOA Fees
Parking
- 1 Car Attached Garage
- 2 Driveway Spaces
- Parking Storage or Cabinetry
- Front Facing Garage
- On-Street Parking
Home Design
- Colonial Architecture
- Block Foundation
- Slab Foundation
- Poured Concrete
- Block Wall
- Shingle Roof
- Vinyl Siding
Interior Spaces
- Property has 3 Levels
- Open Floorplan
- Built-In Features
- Chair Railings
- Crown Molding
- Wainscoting
- Ceiling Fan
- Recessed Lighting
- Wood Burning Fireplace
- Screen For Fireplace
- Fireplace Mantel
- Brick Fireplace
- Green House Windows
- Sliding Windows
- Window Screens
- Sliding Doors
- Family Room Off Kitchen
- Living Room
- Dining Room
- Utility Room
- Home Gym
- Views of Woods
- Attic
Kitchen
- Country Kitchen
- Electric Oven or Range
- Built-In Microwave
- Dishwasher
- Stainless Steel Appliances
- Disposal
Flooring
- Bamboo
- Partially Carpeted
- Concrete
- Ceramic Tile
Bedrooms and Bathrooms
- 4 Bedrooms
- En-Suite Primary Bedroom
- En-Suite Bathroom
- Bathtub with Shower
- Walk-in Shower
Laundry
- Laundry Room
- Laundry on main level
- Electric Front Loading Dryer
- ENERGY STAR Qualified Washer
Partially Finished Basement
- Heated Basement
- Basement Fills Entire Space Under The House
- Walk-Up Access
- Connecting Stairway
- Interior and Exterior Basement Entry
- Sump Pump
- Shelving
- Basement with some natural light
Home Security
- Storm Doors
- Flood Lights
Pool
- Heated Pool and Spa
- Concrete Pool
- Filtered Pool
- Heated In Ground Pool
- Saltwater Pool
- Poolside Lot
- Fence Around Pool
Outdoor Features
- Canoe or Kayak Water Access
- Private Water Access
- Patio
- Exterior Lighting
- Shed
- Rain Gutters
- Porch
Schools
- Hillsmere Elementary School
- Annapolis Middle School
- Annapolis High School
Utilities
- Central Air
- Ductless Heating Or Cooling System
- Heat Pump System
- Vented Exhaust Fan
- Programmable Thermostat
- Underground Utilities
- 200+ Amp Service
- Propane
- Water Treatment System
- 60 Gallon+ Electric Water Heater
- Well
- Water Conditioner is Owned
- Municipal Trash
Listing and Financial Details
- Tax Lot 3
- Assessor Parcel Number 020245090027502
Community Details
Overview
- Association fees include common area maintenance, pier/dock maintenance
- Kitty Creek Association Inc. HOA
- Kitty Creek Subdivision
Amenities
- Common Area
Recreation
- Boat Dock
- 1 Community Docks
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jun 20, 2025
Closed on
Jul 25, 2025
Sold by
Houst Brian Patrick and Houst Blaine Marie
Bought by
Cross Jake Anthony
Seller's Agent
Gary Schneider
Long & Foster Real Estate, Inc.
Buyer's Agent
Anais Messaadi
Berkshire Hathaway HomeServices PenFed Realty
List Price
$749,000
Sold Price
$766,000
Premium/Discount to List
$17,000
2.27%
Views
112
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-19.88%
Original Mortgage
$689,400
Outstanding Balance
$689,400
Interest Rate
6.67%
Mortgage Type
New Conventional
Estimated Equity
$64,807
Purchase Details
Listed on
Jan 23, 2020
Closed on
May 29, 2020
Sold by
The Giel Family Trust
Bought by
Houst Brian Patrick and Houst Blaine Marie
Seller's Agent
Sarah Garza
Compass
Buyer's Agent
Gary Schneider
Long & Foster Real Estate, Inc.
List Price
$575,000
Sold Price
$549,900
Premium/Discount to List
-$25,100
-4.37%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
6.63%
Original Mortgage
$520,950
Interest Rate
3.2%
Mortgage Type
New Conventional
Purchase Details
Closed on
Nov 21, 2003
Sold by
Giel Christopher E
Bought by
Giel Christopher E and Giel Lisa A
Purchase Details
Closed on
Mar 1, 2002
Sold by
Giel Christopher E
Bought by
Giel Christopher E and Giel Lisa A
Purchase Details
Closed on
Feb 1, 2002
Sold by
Giel Christopher E
Bought by
Giel Christopher E and Giel Lisa A
Purchase Details
Closed on
Jan 4, 2001
Sold by
Giel Christopher E
Bought by
Giel Co & Christopher E and Giel Co & , Lisa A
Purchase Details
Closed on
Nov 30, 2000
Sold by
Giel Christopher E
Bought by
Giel Christopher E and Giel Lisa A
Purchase Details
Closed on
Jun 20, 2000
Sold by
West Richard E
Bought by
Giel Christopher E and Giel Lisa A
Similar Homes in Annapolis, MD
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $766,000 | Eagle Title | |
| Deed | $766,000 | Eagle Title | |
| Deed | $549,900 | Sage Title Group Llc | |
| Deed | -- | -- | |
| Deed | -- | -- | |
| Deed | -- | -- | |
| Deed | -- | -- | |
| Deed | -- | -- | |
| Deed | $240,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $689,400 | New Conventional | |
| Closed | $689,400 | New Conventional | |
| Previous Owner | $165,639 | Credit Line Revolving | |
| Previous Owner | $520,950 | New Conventional | |
| Previous Owner | $50,000 | Credit Line Revolving | |
| Closed | -- | No Value Available |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 07/25/2025 07/25/25 | Sold | $766,000 | +2.3% | $262 / Sq Ft |
| 06/20/2025 06/20/25 | For Sale | $749,000 | +36.2% | $256 / Sq Ft |
| 05/29/2020 05/29/20 | Sold | $549,900 | 0.0% | $188 / Sq Ft |
| 04/21/2020 04/21/20 | Pending | -- | -- | -- |
| 04/07/2020 04/07/20 | Price Changed | $549,900 | -1.8% | $188 / Sq Ft |
| 02/24/2020 02/24/20 | Price Changed | $559,999 | -2.6% | $192 / Sq Ft |
| 01/23/2020 01/23/20 | For Sale | $575,000 | -- | $197 / Sq Ft |
Source: Bright MLS
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $6,800 | $609,867 | -- | -- |
| 2024 | $6,800 | $575,133 | $0 | $0 |
| 2023 | $6,375 | $540,400 | $285,600 | $254,800 |
| 2022 | $5,974 | $530,467 | $0 | $0 |
| 2021 | $11,740 | $520,533 | $0 | $0 |
| 2020 | $3,623 | $510,600 | $315,600 | $195,000 |
| 2019 | $6,889 | $473,567 | $0 | $0 |
| 2018 | $4,426 | $436,533 | $0 | $0 |
| 2017 | $3,241 | $399,500 | $0 | $0 |
| 2016 | -- | $399,400 | $0 | $0 |
| 2015 | -- | $399,300 | $0 | $0 |
| 2014 | -- | $399,200 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Gary Schneider
Seller's Agent in 2025
Gary Schneider
Long & Foster
(443) 370-7505
27 in this area
90 Total Sales
-
Anais Messaadi
Buyer's Agent in 2025
Anais Messaadi
BHHS PenFed (actual)
(202) 867-2630
1 in this area
72 Total Sales
-
Sarah Garza
Seller's Agent in 2020
Sarah Garza
Compass
(443) 717-3631
5 in this area
235 Total Sales
Map
Source: Bright MLS
MLS Number: MDAA2117010
APN: 02-450-90027502
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