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About This Home

This 2-bedroom, 2-bathroom townhouse at 198 CLAY Street in ANNAPOLIS, MD is listed for $389,000 ($431 per sqft). Built in 1920, the home offers 902 sqft of living space on a 0.03 acres lot.

Agent Description

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.

Key Features

  • Built in 1920
  • 0.03 acre lot
  • 2 stories

Property Details

2 stories
1 full, 1 half
1920

Monthly Cost Estimate

$2,080/mo

20% down · 6.5% · 30 years

Principal$281
Interest$1,686
Insurance$113

Estimates only. Actual payments may vary.

Location

198 CLAY Street

ANNAPOLIS, MD 21401

REGULARS

Property Details

Construction

Vinyl Siding

Parking

On Street

Heating

Electric (Heating)Baseboard

Cooling

Ductless

Questions & Answers

This 2-bedroom, 2-bathroom townhouse at 198 CLAY Street is listed at $389,000 ($431/sqft). The estimated monthly payment is $1,686 based on 20% down at 6.5% interest.

Key features include: Built in 1920, 0.03 acre lot, 2 stories.

This property is listed by Kerry McElhenny O'Hara and can be reached at 4105070834 or kerry.ohara@evrealestate.com.

KO

Kerry McElhenny O'Hara

Agent at Engel & Volkers Annapolis

(410) 507-0834

Listed by Engel & Volkers Annapolis · View on Broker Site

MLS# MDAA2139810· Source: listhub· Updated 27 days ago

Copyright © 2026 Bright MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

198 CLAY Street, ANNAPOLIS, MD 21401

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