20 Ann Street

20 Ann Street is a single-storey office pavilion built around 1900, designed in the Renaissance style. It features a piend-and-platform roof and is similar in style to the adjacent Clydesdale Bank, which is listed separately. The building is constructed of ashlar stone with squared rubble on the sides and rear. Notable architectural details include a banded cill course, an eaves cornice, and a blocking course. The entrance has a round-headed, keystoned doorpiece, while the windows are architraved with bracketed cills.

The principal elevation has three advanced symmetrical bays, featuring a central two-leaf panelled timber door with a semicircular fanlight above, flanked by windows in the outer bays. To the left, there is a single window in a recessed bay that adjoins the two-storey bank building. The northeast elevation has a prominent shouldered stack that breaks the eaves on the off-centre right.

The windows are fitted with plate glass glazing in timber sash and case frames, and the roof is covered with grey slates. The building has tall, coped ashlar wallhead stacks topped with polygonal cans, ashlar-coped skews with block skewputts, and decorative cast-iron downpipes with rainwater hoppers.

Inside, the building features plain and decorative plasterwork, timber shutters, fire surrounds, and a timber-panelled vestibule with a part-glazed two-leaf screen door.