# 198 CLAY STREET, Annapolis, MD 21401

> **TL;DR:** 2bd/2ba townhouse, $375,000 ($416/sqft), built 1920, 902 sqft. Est. $2,005/mo.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $375,000 |
| Price/sqft | $416 |
| Bedrooms | 2 |
| Bathrooms | 1 full, 1 half |
| Square Feet | 902 |
| Year Built | 1920 |
| Property Type | Townhouse (Townhouse) |
| Status | Active |
| Days on Market | 0 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,896 |
| Estimated Insurance | $109 |
| **Total** | **$2,005** |

## Property Highlights

- Built in 1920

## Description

### 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. As of 5/28/26 a new EPDM rubber roof/membrane with additional sealant and chimney closure have been installed.

## Location

- **Address:** 198 CLAY STREET, Annapolis, MD 21401
- **County:** ANNE ARUNDEL
- **Neighborhood:** REGULARS
- **Coordinates:** 38.979979, -76.500846
- **Google Maps:** https://www.google.com/maps?q=38.979979,-76.500846

## Listing Agent

- **Name:** Kerry McElhenny O'Hara
- **Brokerage:** Engel & Volkers Annapolis
- **Broker Phone:** 4432926767

## Photos

![198 CLAY STREET - Photo 1](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f3300111369r.jpg)

![198 CLAY STREET - Photo 2](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f2558160699r.jpg)

![198 CLAY STREET - Photo 3](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f2114247963r.jpg)

![198 CLAY STREET - Photo 4](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f233572677r.jpg)

![198 CLAY STREET - Photo 5](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f3607144540r.jpg)

![198 CLAY STREET - Photo 6](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f1145029762r.jpg)

![198 CLAY STREET - Photo 7](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f2747835895r.jpg)

![198 CLAY STREET - Photo 8](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f897091797r.jpg)

![198 CLAY STREET - Photo 9](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f3153671492r.jpg)

![198 CLAY STREET - Photo 10](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f1250363701r.jpg)

![198 CLAY STREET - Photo 11](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f3070322760r.jpg)

![198 CLAY STREET - Photo 12](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f2472819616r.jpg)

![198 CLAY STREET - Photo 13](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f1788366933r.jpg)

![198 CLAY STREET - Photo 14](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f2015826434r.jpg)

![198 CLAY STREET - Photo 15](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f2338386678r.jpg)

![198 CLAY STREET - Photo 16](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f3214109192r.jpg)

![198 CLAY STREET - Photo 17](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f1165604416r.jpg)

![198 CLAY STREET - Photo 18](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f1710289421r.jpg)

![198 CLAY STREET - Photo 19](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f2013319274r.jpg)

![198 CLAY STREET - Photo 20](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f563624308r.jpg)

![198 CLAY STREET - Photo 21](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f3394454123r.jpg)

![198 CLAY STREET - Photo 22](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f3557682322r.jpg)

![198 CLAY STREET - Photo 23](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f198682394r.jpg)

![198 CLAY STREET - Photo 24](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f1474967859r.jpg)

![198 CLAY STREET - Photo 25](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f1037428756r.jpg)

![198 CLAY STREET - Photo 26](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f1222603208r.jpg)

![198 CLAY STREET - Photo 27](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f844531696r.jpg)

![198 CLAY STREET - Photo 28](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f2705097641r.jpg)

![198 CLAY STREET - Photo 29](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f561672496r.jpg)

![198 CLAY STREET - Photo 30](http://lh.rdcpix.com/11dcc8fbf895be3dbd06b8546974668dl-f3267255486r.jpg)

---

**MLS#:** MDAA2139810 | **Updated:** 2026-08-19
**Source:** listhub

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

[View on PropertySimple](https://www.propertysimple.ai/listing/198-clay-street-annapolis-md-21401-102ee572)

---

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