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for sale
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$389,000

2beds
|
2baths
|
902sqft
|
1920built
198 Clay St,Annapolis, MD 21401

Est.$2,558/moCustomize payment

What's special

$431/sqft

Price per square foot

Built in 1920

106 years old

Overview

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 b...

Listing updated: May 30, 2026 at 3:58 PM

Listed by:

Kerry McElhenny O'Hara 410-507-0834, Engel & Volkers Annapolis

Source: Bright MLS · MLS #MDAA2139810Bright MLS

Property details

Cost estimate

Est. monthly payment

$2,417/mo
Principal & interest
$2,039
Property tax
$248
Home insurance (est.)
$130

Down payment

$77,80020% of list price
Adjust down payment20%
0%25%50%

Based on 20% down ($77,800), 6.85% interest rate, 30-year fixed. Insurance is an estimate. Actual costs may vary.

Rates provided by Mable Loans.

Customize scenario

Price history

DateEventPrice
Mar 28, 2026Listed for sale$389,000

Location

198 Clay St, Annapolis, MD 21401

Recently sold nearby

Similar homes sold within 0.5 miles in the last 90 days.

This home sale information is not to be construed as an appraisal and may not be used as such for any purpose. BRIGHT MLS is the (or a) provider of this home sale information and has compiled content from various sources. Some properties represented may not have actually sold due to reporting errors.

Nearby homes

$389,000

2 beds · 2 baths · 902 sqft

Bright MLS

The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange (IDX) program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which Samson Properties participates, and is provided by BRIGHT through a licensing agreement. © 2026 Bright MLS, All Rights Reserved. Information deemed reliable but not guaranteed. The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on this website may no longer be available because they are under contract, have Closed or are no longer being offered for sale. Data last updated: 6/3/2026.