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220 West St , Annapolis, MD 21401
$824,899
Est. Payment: $4,390.46/mo
1540 Sqft
0.05 Acres
Status: active | Days on site: 115
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KWR15 - 144164
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House Description

Welcome to 220 West Street in Annapolis, Maryland: a rare, fully gut-renovated detached property in the heart of the Downtown Arts District, offered at a row home's price and carrying MX mixed-use zoning that opens the door to residential, commercial, and income-producing use alike. Completed in 2024, the property has been transformed from top to bottom. Every major system and finish has been replaced, delivering a true turnkey opportunity for a buyer seeking a lifestyle home, an investment asset, or a business address in one of the most walkable and desirable areas in Annapolis. Unlike the majority of Downtown Annapolis properties, this is a fully detached building, not a rowhome or townhouse, giving it enhanced privacy, natural light, and a far more versatile footprint for adaptive use. The mixed-use zoning is the story. Under Annapolis MX, the building can serve as a full-time residence, a furnished short-term or corporate rental, or a range of commercial uses including professional and medical office, a personal-care or boutique fitness studio, a gallery or arts studio, or hospitality and food-and-beverage concepts such as a wine bar or cafe, with boutique lodging and inn use available through the City's approval process. The property's own history proves the point: it has previously operated as a furniture store, office space, and a duplex residence. Few Downtown Annapolis addresses offer this much optionality. The extensive renovation includes a brand-new roof, all-new electrical and plumbing, a new high-efficiency mini-split HVAC system, a redesigned floor plan, new flooring throughout, updated lighting, and fully rebuilt kitchen and bathrooms. A modern fire sprinkler system is in place, a meaningful head start for any commercial or lodging adaptation. Outside, the spaces have been completely upgraded with a new deck, brick patio pavers, new fencing, and ambient lighting made for evening entertaining. Inside, a bright two-story entry foyer opens to a professionally curated interior that blends modern comfort with intentional functionality. Three bedrooms and two full bathrooms give the layout the flexibility to support full-time living, guest accommodations, workspace, or commercial conversion. The main-level primary suite opens directly to a private brick patio, while the second bedroom accesses a rear deck overlooking the fully fenced yard: indoor-outdoor connections rarely found downtown. The reimagined kitchen, with new cabinetry, countertops, and appliances, and an open dining area, supports both daily living and gatherings. Step outside into a fully fenced private yard with a brick patio, outdoor dining, lounge seating, and ambient lighting: a genuine urban retreat steps from the energy of Downtown Annapolis. Moments from restaurants, shops, nightlife, City Dock, the Maryland State House, and the U.S. Naval Academy, with easy access to Baltimore, Washington D.C., and BWI, it is equally compelling for owner-users, investors, commuters, and second-home buyers. Adding further value, the property can be sold fully furnished, with every piece professionally selected, so the next owner can move in immediately, operate it as a short-term rental, or transition it into a commercial or mixed-use setup with minimal effort. This is more than a home. It is a rare, fully renovated, detached mixed-use opportunity in Downtown Annapolis where lifestyle, flexibility, and long-term value align.

Highlights

Listed by Vishal P Doddanna , 4437189646 Keller Williams Realty Centre , 4103120000. Bright MLS

Property Type

Commercial Sale

Lot/Acreage
0.05

Year Built

1962

County

Anne Arundel

Neighborhood

Annapolis

School District

Anne Arundel County Public Schools

Listing ID

MDAA2151724

Questions about this listing?

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Interior Features

Air Cond:Ductless/Mini-Split,Heat Pump(s),Wall Unit,Zoned
Fireplaces:
Floor:Engineered Wood
Water:Public

Exterior Features

Lot:Cleared,Landlocked,Private,Rear Yard,Not New Construction,Horse Property: No,In City Limits
Garage Capacity:100
Zoning:Mixed use zoning allow residential and commercial use. see attached disclosure
Roof:Architectural Shingle,Pitched
Others:
  • ▪ Additional:Excellent
Sewer:Public Sewer
Parking Features:Public,On Street,Public Garage,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$4,390
Taxes
$520

Home Price

$824,899

Loan Details

30 yrs
7%

Down Payment

20%
$164,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,390.46

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,390.46 $520.42 $0.00 $4,910.88
Yearly $52,685.51 $6,245.00 $0.00 $58,930.51
Total $1,580,565.21 $187,350.00 $0.00 $1,767,915.21
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Annapolis, MD).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-13T21:11:33.000Z

© 2026 Bright MLS