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996 Headwater Rd , Annapolis, MD 21403
$950,000
Est. Payment: $5,056.30/mo
4 Bed
4 Bath
2288 Sqft
0.42 Acres
Status: active | Days on site: 20
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House Description

Best Waterfront Value in Annapolis! Beautifully refreshed Waterfront colonial on a cul-de-sac, now offered with a substantial price improvement. Every inch shines with all-new interior and exterior paint, refinished hardwoods, and all-new carpeting. Main level kitchen has been upgraded with a new GE stainless steel appliance suite, combined with a family room that opens onto a deck with views of the creek, fire circle, playset area, and your own private pier with a boat slip. Main level mud room with laundry, built-in storage, and side entrance. Second level features a primary bedroom with a private balcony, upgraded fixtures in the primary and hall bathrooms, and three additional bedrooms. The fully-finished walkout lower level features granite counters, heated ceramic floors, a built-in electric fireplace, a second kitchen, and a spa bath with a second laundry room—perfect for guests or income potential. Enjoy maximum versatility and serenity minutes from Downtown Annapolis and the Naval Academy! Assumable first mortgage available at 3.25%.

Highlights

Listed by Greg Koch , 4108026006 Taylor Properties , 3019702447. Bright MLS

Property Type

Residential

Lot/Acreage
0.42

HOA Fee

230 Annually

Year Built

1986

County

Anne Arundel

Neighborhood

Kitty Creek

School District

Anne Arundel County Public Schools

Listing ID

MDAA2159150

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In Microwave, Dishwasher, Oven/Range - Electric, Six Burner Stove, Stainless Steel Appliances
Air Cond:Central A/C
Fireplaces:2 Fireplaces
Above Ground Sq Ft:1700
Below Ground Sq Ft:588
Basement:Fully Finished,Connecting Stairway,Walkout Level
Other:
  • ▪ Additional:2nd Kitchen, Bathroom - Walk-In Shower, Breakfast Area, Dining Area, Family Room Off Kitchen, Kitchen - Gourmet, Upgraded Countertops, Water Treat System, Wood Floors
Water:Well

Exterior Features

Lot:Boat - Powered,Canoe/Kayak,Fishing Allowed,Private Access,Not New Construction,Horse Property: No,Waterfront,In City Limits
Garage Capacity:3
Zoning:R2
Others:
  • ▪ Additional:Extensive Hardscape, Very Good, Boat Dock/Slip
Sewer:Public Sewer
Parking Features:Garage - Front Entry,Attached Garage,Driveway,On Street,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$5,056
Taxes
$715
HOA
$230

Home Price

$950,000

Loan Details

30 yrs
7%

Down Payment

20%
$190,000
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:
$5,056.30

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,056.30 $715.25 $230.00 $6,001.55
Yearly $60,675.59 $8,583.00 $2,760.00 $72,018.59
Total $1,820,267.63 $257,490.00 $82,800.00 $2,160,557.63
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: 2026-11-13T23:12:42.000Z

© 2026 Bright MLS