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Clearwater Beach, Anne Arundel County, Maryland Property Taxes

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Property Taxes in Clearwater Beach, Maryland

  • Median Clearwater Beach, Maryland effective property tax rate: 1.13%, significantly lower than the national median of 1.02%, and lower than the Maryland state median of 1.21%.

  • Median Clearwater Beach, Maryland home value: $264,800

  • Median annual Clearwater Beach, Maryland tax bill: $2,945, $545 higher than the national median property tax bill of $2,400.

How are property taxes in Anne Arundel calculated?

Property taxes in Clearwater Beach, Maryland are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Clearwater Beach's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Clearwater Beach, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Clearwater Beach, Anne Arundel County, Maryland Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.13%

Estimate Property Tax Bill

$2,992

$2,777

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Clearwater Beach Property Tax Calculator Work?

Use this Clearwater Beach property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Clearwater Beach's median effective property tax rate of 1.13% — based on actual property records in Anne Arundel County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local assessment office uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Clearwater Beach's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within Clearwater Beach: rates range from 1.13% in 21226 to 1.13% in 21226, primarily due to differences in school district levies and local assessment districts. Clearwater Beach’s median property tax bill is $2,945, which is higher than the $2,400 national median and $545 above the Florida state median.

If your estimate is higher than expected, Ownwell can appeal your Clearwater Beach assessment — you only pay if we save you money.

About Clearwater Beach Property Taxes

About Property Taxes in Clearwater Beach, Anne Arundel, Maryland

Clearwater Beach's median effective property tax rate of 1.13% is lower than the Maryland state median of 1.21% and higher than the national median of 1.02%. This rate reflects the Anne Arundel County base levy combined with local school district levies and special taxing districts that vary by subdivision throughout the city.

Property tax rates are not uniform across Clearwater Beach. Homeowners in the 21226 ZIP code carry a median effective rate of 1.13%, while those in the same ZIP code pay 1.13%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Anne Arundel County. Understanding which part of Clearwater Beach you live in can make a meaningful difference to your annual tax bill.

Clearwater Beach homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the February 13, 2026 deadline each year.

If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.

Property Tax Rates Across Clearwater Beach, Anne Arundel County, Maryland

As noted earlier, local government entities set tax rates, which can vary widely within a state.

Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.

While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

Below, you can compare Clearwater Beach's effective property tax rate to other cities in Maryland and the median property tax rates in Maryland and the U.S.

Property Tax Rates Across Clearwater Beach, Anne Arundel County, Maryland

Source: Ownwell

0.90%

1.13%

1.36%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Clearwater Beach Tax Rate

1.13%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Anne Arundel County Tax Rate

1.09%

Median Effective Maryland Tax Rate

1.21%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Clearwater Beach, Anne Arundel County, Maryland

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
212260.87%0.95%1.13%1.26%1.31%

Source: Ownwell

Property Tax Assessment Values Across Clearwater Beach, Anne Arundel County, Maryland

When examining property taxes in Clearwater Beach, Maryland, understanding the distinction between "market value" and "assessed value" is crucial.

The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Anne Arundel County appraisal district estimates the market value for tax purposes.

The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices:

In Anne Arundel County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.

Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Clearwater Beach.

For example, the median home price in Clearwater Beach is $264,800, with tax bills ranging significantly across the county. 21226 has the highest median home price at $264,800.

Property Tax Assessment Values Across Clearwater Beach, Anne Arundel County, Maryland

Source: Ownwell

$9,700

$1,007,850

$2,006,000

Median Clearwater Beach Market Value

$264,800

Median Anne Arundel County Market Value

$386,400

Median Maryland Market Value

$338,400

Median United States Market Value

$235,294

Property Tax Assessment Values Across Clearwater Beach, Anne Arundel County, Maryland

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
21226$204,940$234,800$264,800$310,000$399,940

Source: Ownwell

Property Tax Bills Across Clearwater Beach, Anne Arundel County, Maryland

Property tax bills in Clearwater Beach are based on the assessed value of a home, the local tax rate, and any exemptions the homeowner receives. When a home’s market value rises, the tax bill can rise too, even if nothing changes about the property itself. For homeowners in Anne Arundel County, that means the bill can vary widely depending on where the home is located and how it is assessed.

The median home price in the area is $264,800, and property tax bills can range from $2,430 at the 25th percentile to $3,543 at the 75th percentile, with the 90th percentile reaching $4,709. The median tax bill in zip code 21226 is $2,945, which is above the national median property tax bill of $2,400.

Ownwell helps homeowners lower their property tax bills by reviewing assessments, identifying savings opportunities, and filing appeals when a home has been overassessed. That can make a meaningful difference for homeowners paying more than they should.

Property Tax Bills Across Clearwater Beach, Anne Arundel County, Maryland

Source: Ownwell

$99

$11,938

$23,776

Median Clearwater Beach Tax Bill

$2,945

Median Anne Arundel County Tax Bill

$4,073

Median Maryland Tax Bill

$4,092

Median United States Tax Bill

$2,400

Property Tax Bills Across Clearwater Beach, Anne Arundel County, Maryland

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
21226$1,947$2,430$2,945$3,543$4,709

Source: Ownwell

Don't miss the deadline to appeal!

Frequently Asked Property Tax Questions in Clearwater Beach, Maryland

How are property taxes calculated in Clearwater Beach, Maryland?
Property taxes in Clearwater Beach, Maryland are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.
How do I appeal my property taxes in Clearwater Beach, Maryland?
To appeal your property taxes in Clearwater Beach, Maryland, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.
What property tax exemptions are available in Clearwater Beach, Maryland?
Common property tax exemptions in Clearwater Beach, Maryland include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.
When are property taxes due in Clearwater Beach, Maryland?
Property tax deadlines in Clearwater Beach, Maryland vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.
How can Ownwell help reduce my property taxes in Clearwater Beach, Maryland?
Ownwell provides professional property tax appeal services in Clearwater Beach, Maryland. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.