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About This Home

This 4-bedroom, 4-bathroom single family at 996 HEADWATER Road in Annapolis, MD is listed for $1,150,000 ($503 per sqft). Built in 1986, the home offers 2,288 sqft of living space on a 0.41 acres lot.

Agent Description

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.

Key Features

  • Built in 1986
  • 0.41 acre lot
  • 2 stories
  • Fireplace
  • Waterfront

Property Details

2 stories
3 full, 1 half
1986

Amenities

FireplaceWaterfrontA/C

Monthly Cost Estimate

$6,380/mo

20% down · 6.5% · 30 years

Principal$832
Interest$4,983
Insurance$335
HOA$230

Estimates only. Actual payments may vary.

Location

996 HEADWATER Road

Annapolis, MD 21403

KITTY CREEK

Features & Amenities

Interior Features

2nd KitchenBathroom - Tub ShowerBathroom - Walk-In ShowerBreakfast AreaCeiling Fan(s)Combination Kitchen/LivingFamily Room Off KitchenPrimary Bedroom - Bay FrontPrimary Bath(s)Recessed LightingSkylight(s)Upgraded CountertopsWood Floors

Property Details

Construction

HardiPlank Type

Parking

Driveway

Heating

Heat Pump (Heating)

Cooling

Central Air

Appliances

Built-In RangeBuilt-In MicrowaveDishwasherRefrigeratorExtra Refrigerator/FreezerWasher/Dryer Hookups Only

Questions & Answers

This 4-bedroom, 4-bathroom single family at 996 HEADWATER Road is listed at $1,150,000 ($503/sqft). The estimated monthly payment is $5,213 based on 20% down at 6.5% interest.

HOA fees are $230/month.

Key features include: Built in 1986, 0.41 acre lot, 2 stories, Fireplace, Waterfront. Interior Features: 2nd Kitchen, Bathroom - Tub Shower, Bathroom - Walk-In Shower.

This property is listed by Amanda Joelle Greenfield and can be reached at 4109912633 or amanda.greenfield@engelvoelkers.com.

AG

Amanda Joelle Greenfield

Agent at Engel & Volkers Annapolis

(410) 991-2633

Listed by Engel & Volkers Annapolis · View on Broker Site

MLS# MDAA2143898· Source: listhub· Updated 23 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.

996 HEADWATER Road, Annapolis, MD 21403

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