About This Home

This 4-bedroom, 4-bathroom single family at 996 HEADWATER Road in Annapolis, MD is listed for $950,000 ($415 per sqft). Built in 1986, the home offers 2,288 sqft of living space on a 0.42 acres lot.

Key Features

  • Built in 1986
  • 0.42 acre lot
  • 3 stories
  • 3 parking spaces
  • Fireplace
  • Waterfront

Property Details

3 stories
3 full, 1 half
1-car garage
1986

Amenities

FireplaceWaterfrontA/C
Listing Description

Beautifully refreshed waterfront colonial on a cul-de-sac, now offered with a substantial price improvement. Every inch shines with all-new interior and exterior paint, refinished hardwoods, and all-new carpeting. Main level kitchen has been upgraded with a new GE stainless steel appliance suite, combined with a family room that opens onto a deck with views of the creek, fire circle, playset area, and your own private pier with a boat slip.

Main level mud room with laundry, built-in storage, and side entrance. Second level features a primary bedroom with a private balcony, upgraded fixtures in the primary and hall bathrooms, and three additional bedrooms. The fully-finished walkout lower level features granite counters, heated ceramic floors, a built-in electric fireplace, a second kitchen, and a spa bath with a second laundry room-perfect for guests or income potential.

Enjoy maximum versatility and serenity minutes from Downtown Annapolis and the Naval Academy! Assumable first mortgage available at 3.25%.

Monthly Cost Estimate

$5,311/mo

20% down · 6.5% · 30 years

Principal$687
Interest$4,117
Insurance$277
HOA$230

Estimates only. Actual payments may vary.

Location

996 HEADWATER Road

Annapolis, MD 21403

KITTY CREEK

Features & Amenities

Interior Features

2nd KitchenBathroom - Walk-In ShowerBreakfast AreaDining AreaFamily Room Off KitchenKitchen - GourmetUpgraded CountertopsWater Treat SystemWood Floors

Property Details

Construction

HardiPlank Type

Parking

On StreetGarage - AttachedDriveway

Heating

Forced Air

Cooling

Central Air

Appliances

Built-In MicrowaveDishwasherOven/Range - ElectricSix Burner StoveStainless Steel Appliances

Questions & Answers

This 4-bedroom, 4-bathroom single family at 996 HEADWATER Road is listed at $950,000 ($415/sqft). The estimated monthly payment is $5,311 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $230/month.

Key features include: Built in 1986, 0.42 acre lot, 3 stories, 3 parking spaces, Fireplace, Waterfront. Interior Features: 2nd Kitchen, Bathroom - Walk-In Shower, Breakfast Area.

This property is listed by Greg Koch.

GK

Greg Koch

License 593661

Agent at Taylor Properties

Listed by Taylor Properties · Broker phone: (800) 590-0925 · View on Broker Site

MLS# MDAA2159150· Source: Bright MLS· 7 days on PropertySimple

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.

996 HEADWATER Road, Annapolis, MD 21403

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