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TownhouseResidential
$840,820$639 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $438,000 on May 18, 2007

109 CHARLES ST

ANNAPOLIS, MD 21401
2.5
Baths
1,316 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1,376 ft²
Lot SizeThe size of the land the home sits on, from county records.
1918
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$841K
$755K low$927K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$438,000 · May 18, 2007

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$731,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$562,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$169,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$698,167
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$731,700

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.19
73
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
9
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.45%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Townhouse
StyleThe architectural style of the home, such as ranch or colonial.Townhouse
CountyANNE ARUNDEL
Lot (acres)The size of the land the home sits on, from county records.0.03
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 70 ft²Porch · 40 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Annapolis Elementary SchoolC+
Elementary · Grades EE–5 · 0.3 mi
M
Wiley H. Bates Middle SchoolC+
Middle · Grades 6–8 · 0.8 mi
H
Annapolis High SchoolC
High · Grades 9–12 · 3.9 mi

District: Anne Arundel County Public Schools

Neighborhood · ZIP 21401These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.38

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.39,516
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,752 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$116,570
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$157,167
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Charles St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 85% of homes in Anne Arundel County
  • Costs more per square foot than 98% of homes in Anne Arundel County
  • Smaller than 81% of homes in Anne Arundel County
  • Has a smaller lot than 93% of homes in Anne Arundel County
  • Among the oldest homes in Anne Arundel County

What homes are worth in Annapolis 21401

Each bar is how many homes fall in that price range. The marker is this home.

This home
$252K$2.5M

This home is worth more than 70% of homes in Annapolis 21401.

How it measures up in Annapolis 21401

The dot is this home. The mark in the middle is the typical home in Annapolis 21401.

Estimated value$840,820
CheaperTypical $647,770Pricier

Pricier than 70% of homes nearby

Price per ft²$639
CheaperTypical $323Pricier

Pricier than 93% of homes nearby

Living area1,316 ft²
SmallerTypical 1,864 ft²Bigger

Bigger than 24% of homes nearby

Lot size1,376 ft²
SmallerTypical 0.15 acBigger

Bigger than 20% of homes nearby

Year built1918
OlderTypical 1986Newer

Newer than 6% of homes nearby

How 109 Charles St ranks against every home in each area.
MeasureThis homeSt. John's CollegeAnnapolis 21401Anne Arundel County
Estimated valuepricier than$840,82029% of homes70% of homes85% of homes
Price per ft²pricier than$63958% of homes93% of homes98% of homes
Living areabigger than1,316 ft²21% of homes24% of homes19% of homes
Lot sizebigger than1,376 ft²24% of homes20% of homes7% of homes
Year builtnewer than191852% of homes6% of homesalmost no homes

About 109 Charles St

How much is 109 Charles St, Annapolis, MD worth?

The TopHap Estimate for 109 Charles St, Annapolis, MD is $840,820 as of Aug 30, 2026. The likely range is $754,688 to $926,952. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Charles St, Annapolis, MD last sell?

109 Charles St, Annapolis, MD last sold on May 18, 2007 for $438,000, according to the county's recorded deed.

How big is 109 Charles St, Annapolis, MD?

109 Charles St, Annapolis, MD has 2.5 bathrooms, 1,316 square feet of living space and a 0.03-acre lot.

When was 109 Charles St, Annapolis, MD built?

109 Charles St, Annapolis, MD was built in 1918, making it 108 years old. It is a townhouse home. The building has 2 stories.

What schools serve 109 Charles St, Annapolis, MD?

109 Charles St, Annapolis, MD is assigned to Annapolis Elementary School (elementary), rated C+; Wiley H. Bates Middle School (middle), rated C+; Annapolis High School (high), rated C. All sit in Anne Arundel County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Charles St, Annapolis, MD compare to other homes in Annapolis 21401?

Among the 14,511 homes in Annapolis 21401, it is worth more than 70% of them ($840,820 against a typical $647,770), its price per square foot is higher than 93% of them ($639 against a typical $323), it is bigger than 24% of them (1,316 ft² against a typical 1,864 ft²), its lot is bigger than 20% of them (1,376 ft² against a typical 0.15 ac) and it is newer than 6% of them (1918 against a typical 1986). Measured against all of Anne Arundel County, it is worth more than 85% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

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