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Listing provided courtesy of Engel & Volkers Annapolis- MLS# MDAA2143898MLS ProviderContact Information: 4432926767

996 HEADWATER ROADANNAPOLIS, MD 21403

Single Family · 4 Beds · 3 Full Baths · 1 Half Bath · 2,288 Sq. ft. | 0.41 Acres
$1,099,500 ACTIVE

996 HEADWATER ROAD Overview

Time on Site:
60 days
Visits:
11

Annapolis Waterfront home 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, kayak rack, and a spacious .41-acre lot offering plenty of room to relax, garden, or play. Ideally located with easy access to Historic Annapolis and Naval Academy, BWI, and DC, this home offers the best of peaceful waterfront living in Annapolis and everyday convenience.

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996 HEADWATER ROAD Facts & Features

  • Type Single Family
  • Sq. ft. 2,288
  • Price/Sq.ft. $481
  • Lot 0.41 Acres

Details

General

Association/HOA

  • Association Fee: $230.00
  • Association Fee Frequency: Annually
  • Association Name: KITTY CREEK ASSOCIATION INC
  • Association: Yes
  • Condo/Coop Association: No

Listing Information

  • Real Estate Owned: No
  • Short Sale: No

Building Information

  • New Construction: No
  • Pool: No Pool
  • Total SQFT: 2288
  • Year Built: 1986

Location/Region

  • Country: US
  • County: ANNE ARUNDEL
  • County Or Parish: ANNE ARUNDEL
  • In City Limits: No
  • Subdivision Name: KITTY CREEK

Parking Information

  • Type of Parking: Driveway

Rent/Lease Information

  • Lease Considered: No

Tax Information

  • County Tax: 7641.00
  • County Tax Payment Frequency: Annually
  • Tax Annual Amount: $8,067.00
  • Tax Assessed Value: 751300.00
  • Tax Year: 2026

General Information

  • Furnished: No
  • Property Condition: Excellent
  • Property Type: Residential
  • School District Name: ANNE ARUNDEL COUNTY PUBLIC SCHOOLS
  • Senior Community: No
  • Special Listing Conditions: Standard
  • Vacation Rental: No
  • Zoning: R2

Interior

Building Information

  • Building Winterized: No
  • Cooling Fuel: Electric
  • Heating Fuel: Electric

Parking Information

  • Garage: No

Beds/Baths

  • Bathrooms Full: 3
  • Bathrooms Full Main Level: 0
  • Bathrooms Half: 1
  • Bathrooms Half Main Level: 1
  • Bathrooms Total: 4
  • Bedrooms Total: 4

Building Exterior/Construction

  • Structure Type: Detached

Building Interior

  • Above Grade Finished Area: 1700
  • Above Grade Finished Area Source: Assessor
  • Above Grade Finished Area Units: Square Feet
  • Below Grade Finished Area: 588
  • Below Grade Finished Area Source: Assessor
  • Below Grade Finished Area Units: Square Feet
  • Central Air: Yes
  • Hot Water: Electric
  • Laundry Type: Hookup,Main Floor,Lower Floor

General Information

  • Accessibility Features: Ramp - Main Level
  • Appliances: Built-In Range, Built-In Microwave, Dishwasher, Refrigerator, Extra Refrigerator/Freezer, Washer/Dryer Hookups Only
  • Cooling: Central A/C
  • Door Features: French,Sliding Glass
  • Entry Level: -50
  • Fireplace Features: Insert,Mantel(s)
  • Fireplace: Yes
  • Fireplaces Total: 1
  • Flooring: Hardwood, Carpet, Tile/Brick
  • Foundation Details: Concrete Perimeter
  • 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
  • Levels: 2
  • Living Area: 2288
  • Living Area Source: Assessor
  • Main Level Bathrooms: 1.00
  • Main Level Bedrooms: 0
  • Window Features: Double Hung, Replacement

Exterior

Lot Information

  • Lot Size Acres: 0.41
  • Lot Size Source: Estimated
  • Lot Size Square Feet: 17860.00
  • Lot Size Units: Square Feet
  • Water Source: Well

Waterfront/View

  • View: Creek/Stream
  • Water Body Type: Creek
  • Water Oriented: Yes
  • Water View: Yes
  • Waterfront Features: Private Dock Site
  • Waterfront: Yes

Building Exterior/Construction

  • Architectural Style: Traditional, Transitional
  • Construction Materials: HardiPlank Type
  • Dock Type and Features: Private
  • Docks Count: 1
  • Roof: Asphalt

General Information

  • Fencing: Picket
  • Other Structures: Above Grade,Below Grade
  • Sewer: Public Sewer
  • Water Access: Yes

Find, Buy & Move into Your Home with Us.

Instead of having a mortgage team here, an insurance agent there, a REALTOR® down the street, an inspector and a moving company across town, you have one team with one goal and one focus: you. Ask for “All-Inclusive” Buying.

Enjoy the sense of confidence knowing your Long & Foster full team can handle it all. Your agent is supported by a team of specialists in Mortgage, Insurance, Title, Inspection, Moving and Property Management who are there to guide you every step of the way. They’ll make sure things run smoothly, closing happens on time, and you arrive at your dream home according to plan.

Accolades:
98 %
Customer
Satisfaction
4.8

311 Reviews
Top Services:
  • Buying
  • Selling
  • Rental Properties
  • Investment Properties
  • Luxury Properties
Key Advantages:
  • Be your guide with expert knowledge of your area
  • Help find your home and offer objective information and opinions
  • Stand in your corner during negotiations
  • Assist with paperwork and details to get you to closing
  • Connect you to vendors if work is needed

Our mortgage affiliate, Prosperity Home Mortgage, will get you approved for a mortgage before shopping for a home. This will make your offer stand out and give you an edge in a highly competitive market. If you are already pre-approved, no problem, we can take a “second look” and try to get you even better terms.

Accolades:
97 %
Customer
Satisfaction
5.0

3,803 Reviews
Top Services:
  • Fixed & adjustable rate mortgages
  • FHA and VA mortgage programs
  • Rapid Close™
  • USDA Loans
Key Advantages:
  • Full suite of mortgage programs to meet your specific needs
  • Friendly professionals guide through every step of the loan process
  • We help you find and lock in on the market’s best interest rate
  • We work closely with your title company to ensure accurate closing

We help you make good decisions when you’re buying a home and learn how to be a better homeowner after you move-in. We streamline your inspection journey, provide thorough and accurate results, and get you to closing peacefully. Schedule a confirmed inspection online 24x7.

Accolades:
97 %
Customer
Satisfaction
5.0

240 Reviews
Top Services:
  • Home Inspection
  • Radon Gas
  • Termite Inspection
  • Test Indoor Air Quality
  • Pay at Closing*
Key Advantages:
  • Scheduling online 24x7 confirm a convenient date & time for you & your agents
  • High-tech journey makes it easy to sign agreement, make payment, view reports
  • One stop shop for home, radon & termite
  • Knowledgeable, friendly inspectors teach you about your home and property
  • Custom homeowner’s manual teaches you how to maintain your home

* A Long & Foster exclusive benefit. If you work with RGS Title or Sage Title Group and Insight Inspections, your can enjoy a $55 discount and the flexibility to pay for the inspection at settlement. This new approach combines the best of both the title and inspection worlds, creating a seamless and integrated journey.

We carefully examine your new home’s title, get your legal documents in order, and safeguard your investment. With a team of specialists who expect the unexpected, you can anticipate an on-time, worry-free closing.

Accolades:
97 %
Customer
Satisfaction
4.9

Reviews
Top Services:
  • Title Search & Status
  • Title Insurance
  • Document Prep
  • Closing Coordination
  • Filing & Recording
Key Advantages:
  • Ensure that there are no unresolved claims or liens on your home’s title
  • Help secure insurance against unexpected title challenges
  • Prepare closing paperwork to ensure documents are in compliance with laws
  • Coordinate with all parties to schedule final closing
  • File & record your paperwork with the courthouse

We help you secure the proper coverage at a competitive price to protect your largest investment — your home. Our insurance agents work closely with you to understand your risk exposures, educate you on your options, protect you from the unexpected, and develop insurance strategies to offer ongoing service to address your ever-changing insurance needs.

Accolades:
98 %
Customer
Satisfaction
4.9

77 Reviews
Top Services:
  • Home Insurance
  • Auto Insurance
  • Umbrella Insurance
  • Motorcycle, Boat, RV and more
Key Advantages:
  • Specialize in real estate and bundle other policies for savings
  • Work with 10+ leading carriers to secure the best coverage at the best cost
  • Save you time by shopping for you
  • We’re independent - we find and present you with the best offers and let you decide
  • Guide you with ongoing service and support

We ensure a smooth, stress-free move so you can start enjoying your new home as soon as you move in. Whether you’re headed down the street or across the country, our moving specialists will make sure you don’t have to lift a finger.

Accolades:
98 %
Customer
Satisfaction
4.6

953 Reviews
Top Services:
  • Packing & Unpacking
  • Decluttering
  • Storage
  • Local or Long Distance
  • International Moving
Key Advantages:
  • 30-minute guided virtual survey with next business day Guaranteed quote
  • Best Price Guarantee*†
  • 2-months free storage*‡
  • $20,000 full value protection*
  • Personal move concierge - from first call until last box is delivered

* Long & Foster Customers Only. † Examples of qualified movers: any major van line (United, Mayflower, Atlas, North American, etc) for local: JK, Hilldrup, Town and Country, Able, Interstate, All my Sons, Olympia, Gentle Giant. ‡ 2 Months Free Storage Program: If you’re moving from DE, MD, DC or VA and to DE, MD, DC or VA, we offer 2 months of free storage for all of the contents of your home. There is no charge for the storage of the items for 2 months. There is a cost for pickup of the items to go to storage and for delivery of items from storage to the new home.

We are the next generation of property management. With our streamlined processes, best-in-class service, and transparent financial updates, we help investors achieve financial success through real estate.

Accolades:
98 %
Customer
Satisfaction
4.8

120 Reviews
Top Services:
  • Property Surveys
  • Marketing
  • Tenant Screening
  • Maintenance
  • Lease Enforcement
Key Advantages:
  • We’ll guide and help identify the right properties to invest in
  • Use of smart devices, predictive data and analytics to help maintain properties
  • Get more free time when we handle billing and payments
  • We continuously monitor state and federal landlord/tenant laws
  • Become more knowledgeable with quarterly portfolio reviews & guidance

  • Enjoy the sense of confidence knowing your Long & Foster full team can handle it all. Your agent is supported by a team of specialists in Mortgage, Insurance, Title, Inspection, Moving and Property Management who are there to guide you every step of the way. They’ll make sure things run smoothly, closing happens on time, and you arrive at your dream home according to plan.

    Accolades:
    98 %
    Customer
    Satisfaction
    4.8

    311 Reviews
    Top Services:
    • Buying
    • Selling
    • Rental Properties
    • Investment Properties
    • Luxury Properties
    Key Advantages:
    • Be your guide with expert knowledge of your area
    • Help find your home and offer objective information and opinions
    • Stand in your corner during negotiations
    • Assist with paperwork and details to get you to closing
    • Connect you to vendors if work is needed

  • Our mortgage affiliate, Prosperity Home Mortgage, will get you approved for a mortgage before shopping for a home. This will make your offer stand out and give you an edge in a highly competitive market. If you are already pre-approved, no problem, we can take a “second look” and try to get you even better terms.

    Accolades:
    97 %
    Customer
    Satisfaction
    5.0

    3,803 Reviews
    Top Services:
    • Fixed & adjustable rate mortgages
    • FHA and VA mortgage programs
    • Rapid Close™
    • USDA Loans
    Key Advantages:
    • Full suite of mortgage programs to meet your specific needs
    • Friendly professionals guide through every step of the loan process
    • We help you find and lock in on the market’s best interest rate
    • We work closely with your title company to ensure accurate closing

  • We carefully examine your new home’s title, get your legal documents in order, and safeguard your investment. With a team of specialists who expect the unexpected, you can anticipate an on-time, worry-free closing.

    Accolades:
    97 %
    Customer
    Satisfaction
    4.9

    Reviews
    Top Services:
    • Title Search & Status
    • Title Insurance
    • Document Prep
    • Closing Coordination
    • Filing & Recording
    Key Advantages:
    • Ensure that there are no unresolved claims or liens on your home’s title
    • Help secure insurance against unexpected title challenges
    • Prepare closing paperwork to ensure documents are in compliance with laws
    • Coordinate with all parties to schedule final closing
    • File & record your paperwork with the courthouse

  • We help you secure the proper coverage at a competitive price to protect your largest investment — your home. Our insurance agents work closely with you to understand your risk exposures, educate you on your options, protect you from the unexpected, and develop insurance strategies to offer ongoing service to address your ever-changing insurance needs.

    Accolades:
    98 %
    Customer
    Satisfaction
    4.9

    77 Reviews
    Top Services:
    • Home Insurance
    • Auto Insurance
    • Umbrella Insurance
    • Motorcycle, Boat, RV and more
    Key Advantages:
    • Specialize in real estate and bundle other policies for savings
    • Work with 10+ leading carriers to secure the best coverage at the best cost
    • Save you time by shopping for you
    • We’re independent - we find and present you with the best offers and let you decide
    • Guide you with ongoing service and support

  • We help you make good decisions when you’re buying a home and learn how to be a better homeowner after you move-in. We streamline your inspection journey, provide thorough and accurate results, and get you to closing peacefully. Schedule a confirmed inspection online 24x7.

    Accolades:
    97 %
    Customer
    Satisfaction
    5.0

    240 Reviews
    Top Services:
    • Home Inspection
    • Radon Gas
    • Termite Inspection
    • Test Indoor Air Quality
    • Pay at Closing*
    Key Advantages:
    • Scheduling online 24x7 confirm a convenient date & time for you & your agents
    • High-tech journey makes it easy to sign agreement, make payment, view reports
    • One stop shop for home, radon & termite
    • Knowledgeable, friendly inspectors teach you about your home and property
    • Custom homeowner’s manual teaches you how to maintain your home

    * A Long & Foster exclusive benefit. If you work with RGS Title or Sage Title Group and Insight Inspections, your can enjoy a $55 discount and the flexibility to pay for the inspection at settlement. This new approach combines the best of both the title and inspection worlds, creating a seamless and integrated journey.

  • We ensure a smooth, stress-free move so you can start enjoying your new home as soon as you move in. Whether you’re headed down the street or across the country, our moving specialists will make sure you don’t have to lift a finger.

    Accolades:
    98 %
    Customer
    Satisfaction
    4.6

    953 Reviews
    Top Services:
    • Packing & Unpacking
    • Decluttering
    • Storage
    • Local or Long Distance
    • International Moving
    Key Advantages:
    • 30-minute guided virtual survey with next business day Guaranteed quote
    • Best Price Guarantee*†
    • 2-months free storage*‡
    • $20,000 full value protection*
    • Personal move concierge - from first call until last box is delivered

    * Long & Foster Customers Only. † Examples of qualified movers: any major van line (United, Mayflower, Atlas, North American, etc) for local: JK, Hilldrup, Town and Country, Able, Interstate, All my Sons, Olympia, Gentle Giant. ‡ 2 Months Free Storage Program: If you’re moving from DE, MD, DC or VA and to DE, MD, DC or VA, we offer 2 months of free storage for all of the contents of your home. There is no charge for the storage of the items for 2 months. There is a cost for pickup of the items to go to storage and for delivery of items from storage to the new home.

  • We are the next generation of property management. With our streamlined processes, best-in-class service, and transparent financial updates, we help investors achieve financial success through real estate.

    Accolades:
    98 %
    Customer
    Satisfaction
    4.8

    120 Reviews
    Top Services:
    • Property Surveys
    • Marketing
    • Tenant Screening
    • Maintenance
    • Lease Enforcement
    Key Advantages:
    • We’ll guide and help identify the right properties to invest in
    • Use of smart devices, predictive data and analytics to help maintain properties
    • Get more free time when we handle billing and payments
    • We continuously monitor state and federal landlord/tenant laws
    • Become more knowledgeable with quarterly portfolio reviews & guidance

996 HEADWATER ROAD Neighborhood

Community

21403 (ANNAPOLIS) Demographics

44
Median Age
2,258
Population Density (per sq. mile)
64%
College Educated
$93,305
Estimated Median Income
9,154
Estimated Total Home Owners
4,517
Estimated Total Renters
67% / 33%
Estimated Owner / Renter Divide
2
Estimated Average Household Size
Community data courtesy of LiveBy, Inc.

Schools

School data courtesy of LiveBy, Inc. School ratings are based on a scale of 1-5, with 5 being the highest rating and 1 being the lowest rating.

996 HEADWATER ROAD Monthly Cost

$
$ %
%
$
$
* All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

996 HEADWATER ROAD Market Data

Based on the last 30 days in this zip code

$1,070,958
Average List Price
$477
Average Price per Square Foot
38
Properties Sold
70
Average Days on Market
156
Properties for Sale
Calculations provided by Reliance Network

996 HEADWATER ROAD History

Date Event Value Agent
6/11/2026Source: BRIGHT MLS Price Reduction
$1,099,500 -2.3%
6/3/2026Source: BRIGHT MLS Price Reduction
$1,125,000 -2.2%
5/9/2026Source: BRIGHT MLS Status Change
ACTIVE
4/30/2026Source: BRIGHT MLS Added to Database
April 30, 2026
12/3/2024Source: BRIGHT MLS Added to Database
August 12, 2021
Amy Faust
Listing Agent
12/3/2024Source: BRIGHT MLS Added to Database
August 13, 2021