Herein, we report the synthesis of TiO2 thin films by using the simple, inexpensive, low-temperature chemical bath deposition (CBD) method and annealed at 300, 400, and 500 °C. The obtained TiO2 thin films were sensitized with melanin. Influence of annealing temperature on structural, optical, morphology, and photoelectrochemical cell properties were investigated using a variety of techniques such as low angle XRD, Raman spectroscopy, scanning electron microscopy (SEM), UV-Visible spectroscopy, linear sweep voltammetry (LSV), Mott-Schottky (MS), electrochemical impedance spectroscopy (EIS), etc. We found that sensitization of TiO2 with melanin changes its phase from pure rutile to rutile-anatase mixed-phase and the average crystallite size of melanin sensitized TiO2 films lower than TiO2 films over the entire range of annealing temperature studied. SEM analysis shows the development of microcracks when TiO2 is sensitized with melanin. UV-Visible spectroscopy analysis showed that TiO2 films absorb mainly in the UV region whereas melanin sensitized TiO2 thin films absorb significantly in the visible region. Upon melanin sensitization, TiO2 films show a decrease in current density and flat band potential besides an increase in depletion width when annealing temperature increased from 300 °C to 500 °C. Furthermore, EIS analysis revealed that melanin sensitized TiO2 has high charge transfer resistance. The obtained results showed that sensitization of TiO2 with melanin is not advantageous for photocatalytic water splitting.