Navigating the Complexities of Construction and Permits in Annapolis

What You Really Need to Know About Permits and Construction in Annapolis (and Why I Called in an Expert)

Let’s be honest—navigating permits and construction in Annapolis or Anne Arundel County can feel like trying to speak a different language. So, I sat down with someone who actually speaks it fluently: Matt Gettier from Treehouse Properties. In our latest Anchored Annapolis episode, we broke down what every homeowner (or future homeowner!) should know if you’re thinking about renovating, building, or adding something like an accessory dwelling unit (ADU).

Meet Matt Gettier of Treehouse Properties

Matt isn’t just any contractor—he’s someone with deep local roots and serious experience. After years managing big projects in DC (we’re talking full gut jobs to brand-new builds), he brought his expertise back to Anne Arundel County, where he's now focused on helping homeowners in the community he calls home. If there’s anyone who can simplify Annapolis-area permitting, it’s Matt.

So… What’s the Deal with Permits?

Here’s the thing: where your home is located matters a lot. Permitting works differently depending on whether you’re in the City of Annapolis or in Anne Arundel County. And if your property is in a historic district or a neighborhood like Eastport? That’s a whole other level.

Matt explained that the City of Annapolis has its own permit process, which can be more rigid—but also more predictable, especially in historic areas. Eastport, while under city jurisdiction, throws in extra oversight from neighborhood associations that can add another layer (and sometimes more opinions!) to the mix.

If you're outside city limits, you’ll be working with the county. County permitting tends to be a little more flexible, but you’ll still need to factor in grading and other site-specific regulations.

Thinking About an ADU? Start Here.

Accessory Dwelling Units—like in-law suites or small rental units—are gaining popularity thanks to new legislation. But don’t just sketch one out on a napkin and call it a day. Matt strongly recommends looping in an architect who knows the local code. You’ll also want to get ahead of any water and sewer planning—because those details can quickly turn into big headaches if you wait too long.

Renovations That Actually Pay Off

Wondering where to start when it comes to increasing your home’s value? Matt says bathrooms and kitchens are still the MVPs. But even smaller updates—like fresh neutral paint or new carpet—can make a huge difference. They’re cost-effective and help your home show beautifully, especially if you're thinking about selling.

Let’s Talk Insurance (Yes, Roofs Matter!)

If your roof is over 15 years old, you might hit a snag with insurance companies—and that can become a deal-breaker during a sale. Matt suggests tackling roof issues ahead of time to keep buyers (and insurers) happy.

New Rules You Should Know About

Thinking of a big interior renovation? Keep in mind: if you're making major changes, you may need to install a sprinkler system. And in the City of Annapolis, smoke detectors must be hardwired and interconnected—not a DIY project most of us can handle on our own.

Final Thoughts

Whether you’re planning a small update or dreaming up something big, having the right team makes all the difference. Matt’s biggest piece of advice? Don’t cut corners, especially with permits. Trying to rush or skip steps can end up costing you more time and money. And remember—city regulations tend to be stricter than county ones, so knowing your property’s location is step one.

If you’re planning a project and need a reliable contractor or a great local architect, reach out. I’m always happy to share my go-to contacts (including Matt!).

🎥 Watch the full video here: https://youtu.be/jJ4nJ9WCR9Q
📩 Questions? Feel free to drop me a note or comment below—happy to help you navigate your next project!