996 Headwater Road Annapolis, MD $ 1,099,500
996 Headwater Road
$ 1,099,500
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996 Headwater Road

Annapolis, MD, 21403
$ 1,099,500
Bedrooms4 Baths3.1 Sq 2,288

Monthly Estimate*

$ 6,770

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View a Virtual Tour

Single Family Home for sale in Annapolis, MD

for $1,099,500 with 4 bedrooms and 3 full baths, 1 half bath. This 2,288 square foot home was built in 1986 on a lot size of 0.41.

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, youre 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.

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Single Family Active

Price

$ 1,099,500

Bedrooms

4

Full Bath

3

Half Bath

1

Property Type

Single Family

Taxes

$ 8,067

Style

Traditional,Transitional

Lot Size

0.41

Year Built

1986

Town/City

Annapolis

County/Region

Anne Arundel

MLS | Web ID

MDAA2143898

Features
General
Living Area 2288
Sewer Public Sewer
Heating Heat Pump(s)
Cooling Central A/C
Possession Settlement
Roof Asphalt
Appliances Built-In Range Built-In Microwave Dishwasher Refrigerator Extra Refrigerator/Freezer Washer/Dryer Hookups Only
Zoning R2
HOA Fee 230.00
Architectural Style Traditional Transitional
Construction Materials HardiPlank Type
School District ANNE ARUNDEL COUNTY PUBLIC SCHOOLS
Year Built 1986
View Creek/Stream
Levels 2
Tax Year 2026
Ownership Fee Simple
Cool Fuel Electric
Waterfront Features Private Dock Site
Accessibility Ramp - Main Level
Assoc Fee Paid Per Annually
County ANNE ARUNDEL
New Construction N
Property Type Residential
HOA Y
Subdivision Name KITTY CREEK
Garage Y/N N
Water Access Y/N Y
Other Structures Above Grade Below Grade
Full Baths 3
Status ACTIVE
Directions SEE GPS*
City ANNAPOLIS
Disclosures Flood Zone
Association Name KITTY CREEK ASSOCIATION INC
Senior Community Y/N N
Lot Size Units Square Feet
Lot Size Square Feet 17860.00
Tax Annual Amount 8067.0
Home Warranty Y/N N
Property Condition Excellent
Structure Type Detached
Condo/Coop Association fee Y/N N
Bathrooms Full Main Level 0
Bathrooms Count Main Level 1.00
Price Per Sq Ft Total AG 646.76
Acceptable Financing Cash Conventional FHA VA
Lease Considered Y/N N
Vacation Rental Y/N N
Virtual Tour https://www.zillow.com/view-imx/6ee11d0e-3a77-473d-adfe-275eabbbec0a?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard
Location Type Creek/Stream
Standard Status Active
Year Built Source Estimated
Legal Subdivision KITTY CREEK
Federal Flood Zone AE
Association Recreation Fee N
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Interior
Interior Amenities 2nd Kitchen Bathroom - Tub Shower Bathroom - Walk-In Shower Breakfast Area Ceiling Fan(s) Combination Kitchen/Living Family Room Off Kitchen Primary Bedroom - Bay Front Primary Bath(s) Recessed Light
Heating Fuel Electric
Basement English Walkout Level Rear Entrance
Flooring Hardwood Carpet Tile/Brick
Total Fireplaces 1
Fireplace Features Insert Mantel(s)
Hot Water Electric
Basement (Y/N) Y
Heating Y/N Y
Window Features Double Hung Replacement
Fireplace Y/N Y
Above Grade Finished Area 1700
Half Baths 1
Central Air Y/N Y
Total Bedrooms 4
Below Grade Finished Area 588
Entry Level -50
Main Level Bedrooms 0
Below Grade Finished Area Unit Type Square Feet
Laundry Type Hookup Main Floor Lower Floor
Below Grade Finished Area Source Assessor
Above Grade Finished Area Source Assessor
Above Grade Finished Area Unit Type Square Feet
Total Baths 4
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Exterior
Pool No Pool
Fencing Picket
Water Source Well
Type of Parking Driveway
Foundation Details Concrete Perimeter
Water View Y/N Y
Lot Size Acres 0.41
Water Body Type Creek
Lot Size Source Estimated
Waterfront Y/N Y
Door Features French Sliding Glass
Number of Docks 1
Navigable Water Y/N Y
Number of Slips 2
Water Oriented Y/N Y
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Internal Only
Street Number 1 996
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* Excluded Features
List By
Engel & Volkers Annapolis

Broker

amanda.greenfield@engelvoelkers.com

Email

Affordability Calculator

$7,442
Per Month
91%
9%
0%
Monthly Principal & Interest
$6,770
Monthly Property Taxes
$672
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
3533405 Elementary School
3533185 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
6/12/2026$1,099,500 -2.27% Price Down
6/4/2026$1,125,000 -2.17% Price Down
5/1/2026$1,150,000 Listed Price

Map


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996 Headwater Road, Annapolis, MD, 21403 is a Single Family Home for sale at $1,099,500 with 2,288 sqft and a lot size of 0.41. 996 Headwater Road has 4 bedrooms, 3.1 baths, and was built in 1986. The property's zip code is 21403 which is in Annapolis, MD