996 Headwater Rd Annapolis, MD 21403
Estimated payment $6,915/month
Highlights
- 50 Feet of Waterfront
- Primary bedroom faces the bay
- Access to Tidal Water
- Hillsmere Elementary School Rated 9+
- 2 Dock Slips
- Second Kitchen
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.
Listing Agent
(443) 292-6767 amanda.greenfield@engelvoelkers.com Engel & Völkers Annapolis Brokerage Phone: 4432926767 License #5005472 Listed on: 05/09/2026
Co-Listing Agent
(443) 292-6767 debbie.greenfield@evrealestate.com Engel & Völkers Annapolis Brokerage Phone: 4432926767 License #528484
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $8,067
Year Built
- Built in 1986
Lot Details
- 17,860 Sq Ft Lot
- 50 Feet of Waterfront
- Home fronts navigable water
- Creek or Stream
- Picket Fence
- Property is in excellent condition
- Property is zoned R2, waterfront
HOA Fees
- $19 Monthly HOA Fees
Parking
- Driveway
Home Design
- Transitional Architecture
- Traditional Architecture
- Asphalt Roof
- Concrete Perimeter Foundation
- HardiePlank Type
Interior Spaces
- Property has 2 Levels
- Ceiling Fan
- Skylights
- Recessed Lighting
- Self Contained Fireplace Unit Or Insert
- Fireplace Mantel
- Replacement Windows
- Double Hung Windows
- French Doors
- Sliding Doors
- Mud Room
- Family Room Off Kitchen
- Combination Kitchen and Living
- Creek or Stream Views
Kitchen
- Second Kitchen
- Breakfast Area or Nook
- Built-In Range
- Built-In Microwave
- Extra Refrigerator or Freezer
- Dishwasher
- Upgraded Countertops
Flooring
- Wood
- Carpet
- Tile or Brick
Bedrooms and Bathrooms
- 4 Bedrooms
- Primary bedroom faces the bay
- En-Suite Bathroom
- Bathtub with Shower
- Walk-in Shower
Laundry
- Laundry Room
- Laundry on lower level
- Washer and Dryer Hookup
Basement
- English Basement
- Walk-Out Basement
- Rear Basement Entry
Accessible Home Design
- Ramp on the main level
Outdoor Features
- Access to Tidal Water
- Water Access
- 2 Dock Slips
- Physical Dock Slip Conveys
Location
- Flood Risk
- Property is near creek
Utilities
- Central Air
- Heat Pump System
- Well
- Electric Water Heater
Community Details
- Kitty Creek Association Inc HOA
- Kitty Creek Subdivision
Listing and Financial Details
- Assessor Parcel Number 020245090027513
Map
Home Values in the Area
Average Home Value in this Area
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 | $7,642 | $701,667 | -- | -- |
| 2024 | $7,642 | $652,033 | -- | -- |
| 2023 | $6,578 | $602,400 | $420,300 | $182,100 |
| 2022 | $6,725 | $602,400 | $420,300 | $182,100 |
| 2020 | $6,765 | $609,700 | $420,300 | $189,400 |
| 2019 | $12,930 | $580,500 | $0 | $0 |
| 2018 | $5,590 | $551,300 | $0 | $0 |
| 2017 | $5,715 | $522,100 | $0 | $0 |
| 2016 | -- | $519,200 | $0 | $0 |
| 2015 | -- | $516,300 | $0 | $0 |
| 2014 | -- | $513,400 | $0 | $0 |
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 05/09/2026 05/09/26 | For Sale | $1,150,000 | +109.5% | $503 / Sq Ft | |
| 10/21/2016 10/21/16 | Sold | $549,000 | 0.0% | $221 / Sq Ft | View Prior Sale |
| 09/10/2016 09/10/16 | Pending | -- | -- | -- | |
| 09/02/2016 09/02/16 | Price Changed | $549,000 | -4.5% | $221 / Sq Ft | |
| 08/17/2016 08/17/16 | Price Changed | $575,000 | -4.2% | $231 / Sq Ft | |
| 08/01/2016 08/01/16 | For Sale | $599,900 | +9.3% | $242 / Sq Ft | |
| 07/21/2016 07/21/16 | Off Market | $549,000 | -- | -- | |
| 06/28/2016 06/28/16 | Price Changed | $599,900 | 0.0% | $242 / Sq Ft | |
| 06/10/2016 06/10/16 | For Sale | $599,999 | 0.0% | $242 / Sq Ft | |
| 07/10/2014 07/10/14 | Rented | $3,000 | -3.2% | -- | |
| 07/10/2014 07/10/14 | Under Contract | -- | -- | -- | |
| 06/04/2014 06/04/14 | For Rent | $3,100 | -- | -- |
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | -- | None Listed On Document | |
| Deed | -- | None Listed On Document | |
| Interfamily Deed Transfer | -- | None Available | |
| Deed | $549,000 | Church Circle Title & Escrow | |
| Deed | $278,000 | -- | |
| Deed | $157,100 | -- |
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Previous Owner | $526,556 | FHA | |
| Previous Owner | $141,300 | No Value Available | |
| Closed | -- | No Value Available |
Source: Bright MLS
MLS Number: MDAA2143898
APN: 02-450-90027513
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