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$1,150,000 Just Listed

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 3 Full Baths
  • 1 Partial Bath
  • 2,288 Sq. Ft.
  • Updated 1 day ago

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Open House: 11:00 AM - 1:00 PM

Sunday 5/17 11:00 AM - 1:00 PM

996 Headwater Road,Annapolis, MD 21403

996 Headwater RoadAnnapolisMD21403

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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.

Full Property Details for 996 Headwater Rd

General

  • Price: $1,150,000
  • HOA FEE: $19/month
  • HOA FEE FREQ.: Annually
  • Taxes: $8,067 (2026)
  • Status: Active
  • Type: Single Family
  • Source: BrightMLSMidAtlantic
  • MLS ID: MDAA2143898
  • Updated: 5/12/2026
  • Added to Site: 5 day(s) ago

Interior

  • Interior Features: 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 Lighting, Skylight(s), Upgraded Countertops, Wood Floors
  • Fireplace: Yes
  • Number of Fireplaces: 1
  • Fireplace(s): Insert, Mantel(s)
  • Appliances: Built-In Range, Built-In Microwave, Dishwasher, Refrigerator, Extra Refrigerator/Freezer, Washer/Dryer Hookups Only
  • Flooring: Hardwood, Carpet, Tile/Brick

Rooms

Bathrooms

  • Total Bathrooms: 4
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Upper Floor Baths: 2
  • Upper - Full Baths: 2
  • Main Floor Baths: 1
  • Main - 1/2 Baths: 1
  • Lower Floor Baths: 1
  • Lower - Full Baths: 1

Bedrooms

  • Total Bedrooms: 4
  • Bedrooms Upper: 4

Other Rooms

  • Laundry: Hookup, Main Floor, Lower Floor

Parking

  • Parking Type: Driveway

Location

  • County: ANNE ARUNDEL
  • Subdivision: KITTY CREEK
  • Driving Directions: SEE GPS*
  • Location Details: Creek/Stream

School Information

  • School District: Anne Arundel County Public Schools

Community

  • Association: Yes
  • Assoc. Name: KITTY CREEK ASSOCIATION INC

Heating & Cooling

  • Central air: Yes
  • Cooling Type: Central A/C
  • Cooling Fuel: Electric
  • Heating Type: Heat Pump(s)
  • Heating Fuel: Electric
  • Water Heater: Electric

Utilities

  • Sewer: Public Sewer
  • Water: Well

Structural Information

  • Architectural Style: Traditional, Transitional
  • Structure Type: Detached
  • Construction: HardiPlank Type
  • Basement: Yes
  • Basement Entrance: Yes
  • Basement Desc.: English, Walkout Level, Rear Entrance
  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Windows: Double Hung, Replacement
  • Doors: French, Sliding Glass
  • Entry Floor Number: -50
  • Stories Description: Lower 1, Main, Upper 1
  • Square Feet: 2,288
  • Sq. Ft. Source: Assessor
  • Living Area: 2,288 Sq. Ft.
  • Finished Above Grnd: 1,700 Sq. Ft.
  • Finished Below Grnd: 588 Sq. Ft.
  • Year Built: 1986
  • Year Built Source: Estimated
  • Property Condition: Excellent

Unit Information

Unit 1

  • Bathrooms-Lower: 1

Lot Features

  • Property View: Creek/Stream
  • Lot Size (Acres): 0.41
  • Lot Size (Sq. Ft.): 17,860
  • Lot Size Source: Estimated
  • Zoning: R2
  • Fencing (Description): Picket

Water Features

  • Water Front: Yes
  • Water View: Yes
  • Navigable Water: Yes
  • Water Access: Yes
  • Water Front Type: Creek/Stream
  • Dock/Slip Conveys: Yes
  • Docks: 1

Financial Considerations

  • Price Per Sq. Ft.: $676.47
  • Association Fee: $230
  • Assoc Fee Freq.: Annually
  • County Tax: $7,641
  • County Tax Freq: Annually
  • Tax w/Assessment: $751,300
  • Tax Amount: $8,067
  • Tax Year: 2026
  • Tax Total Finished Sq. Ft.: 2288

Disclosures and Reports

  • Ownership: Fee Simple

Listed by Engel & Volkers Annapolis, Amanda Joelle Greenfield and Engel & Volkers Annapolis, Deborah A Greenfield

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Listing agents

— 996 Headwater Rd —

  • Amanda Joelle Greenfield

    Engel & Volkers Annapolis

  • Deborah A Greenfield

    Engel & Volkers Annapolis

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 996 Headwater Rd

School District:Anne Arundel County Public Schools
NameGradesDistance
Hillsmere Elementary School
3052 Arundel on the Bay Road, Annapolis, MD 21403
PK-50.3 mi
Annapolis Middle School
1399 Forest Drive, Annapolis, MD 21403
6-82.1 mi
Annapolis High School
2700 Riva Road, Annapolis, MD 21401
9-125.1 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 996 Headwater Rd Get Price Alerts and Save Property

Date
Details
Price
Change
Source
5/09/2026
Listed
$1,150,000
109.47%
MLS
10/21/2016
Sold
$549,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 996 Headwater Rd

Year
Property Taxes
Change
Tax Assessment
Change
2025
$8,166
24%
$701,667
8%
2023
$6,578
—
$652,033
8%
2023
$6,578
4%
$602,400
—
2022
$6,295
13%
$602,400
—
2018
$5,590
-17%
$602,400
-1%
2021
$6,765
5%
$609,700
5%
2020
$6,465
8%
$580,500
5%
2019
$5,973
5%
$551,300
6%
2018
$5,703
—
$522,100
1%
2017
$5,715
68%
$519,200
1%
2016
$3,401
—
$516,300
1%
2015
$3,385
1%
$513,400
—
2014
$3,337
—
$513,400
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Estimate the Cost for 996 Headwater Rd

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*These costs are estimates, and the interest rates assume exceptional credit standing.

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NMLS#: 1598647

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Listed by Engel & Volkers Annapolis, Amanda Joelle Greenfield and Engel & Volkers Annapolis, Deborah A Greenfield

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996 Headwater Road, Annapolis, MD 21403 (MLS# MDAA2143898) is a Single Family property with 4 bedrooms, 3 full bathrooms and 1 partial bathroom. 996 Headwater Road is currently listed for $1,150,000 and was received on May 09, 2026. Want to learn more about 996 Headwater Road? Do you have questions about finding other Single Family real estate for sale in Annapolis? You can browse all Annapolis real estate or contact a Coldwell Banker agent to request more information.

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