OFF MARKET

Off market nov 2020 for $1.9M

$2,626,944

Est. refi paymentEst. refi $3,272/mo

•

4,000

sq ft

1094 River Bay Rd, Annapolis, MD 21409

About this home

Leave the City behind and find safe haven on Persimmon Point in Cape St Claire . This handsome 5 bedroom, 3 full bath, waterfront, coastal contemporary showcases sweeping views of the Magothy River, Gibson Island and the Chesapeake Bay. The home is located on 2 landscaped and fenced lots with approx. 156 ft of water frontage, 100 X 10 ft T pier, and 2 boat lifts, 10,000 and 8000 lb respectively. The sellers have just completed a major renovation on their family home with a new gourmet white kitchen, stainless appliances, granite, hardwoods floors, new carpet and updated baths. The open floor plan is flooded with light and offers vaulted ceilings, wood burning fireplace, wet bar and dining area. The family room/living room opens to a four season sunroom room which doubles as a screened porch in the summer. A large entertaining deck over looks a volley ball court and the pier. A third floor 28 X 16 ft unfinished bonus room awaits the buyer's needs. The 1562 ft unfinished basement with exterior entrance is perfect for water sports storage or huge workshop. There is a detached oversized 2 car garage which also has an office above and a full bath below. It's the perfect spot for working at home in the new zoom era, or fits the needs of a furloughed college student, au-pair suite or studio seeking artist. A whole house generator cycles on weekly. The community offers a club house, beach, marina, boat ramp, and playground. Wonderful full time residence, family compound, or weekend retreat. Minutes to Shops and restaurants. Broadneck schools. While this property is in a trust the Sellers disclose they are in process of minor work to a section of the bulkhead. There are 2 dead trees that an eagle and an osprey roost in and the sellers have permits to remove them if the buyers prefer.

Single-familyProperty Type

1986Year Built

1.01 acresLot Size

$657Est. Price/Sq.Ft.

2 garage spacesParking

Listed by Betsy Dunigan • Coldwell Banker Realty

•410-263-8686 (broker)

•khylah.settle@cbmove.com (broker)

Listed by GWIN HUNT • Coldwell Banker Realty

•410-263-8686 (broker)

•khylah.settle@cbmove.com (broker)

Bought with Steven Arce • Long & Foster Real Estate, Inc.

•410-260-2800 (broker)

Redfin checked: 3 minutes ago

•Source:BRIGHT MLS #MDAA447866

Redfin Estimate

$2,626,944

$632K since sold in November 2020$24K since October

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 85.5% higher than the average sale price ($1.42M) of 6 comparable homes.

SOLD OCT 23, 2026
$1,600,000
A
4 beds3.5 baths3,608 sq ft
1018 Magothy Ave, Arnold, MD 21012
SOLD JUN 10, 2026
$1,875,000
B
5 beds3 baths3,124 sq ft
959 Morgan Dr, Arnold, MD 21012
SOLD AUG 14, 2026
$1,180,000
C
5 beds3 baths2,920 sq ft
844 Harbor View Ter, Annapolis, MD 21409
SOLD AUG 27, 2026
$1,350,000
D
5 beds3 baths3,852 sq ft
1098 Magothy Cir, Annapolis, MD 21409
SOLD JUL 7, 2026
$1,790,000
E
5 beds3 baths2,504 sq ft
1100 River Bay Rd, Annapolis, MD 21409
SOLD AUG 14, 2026
$700,000
F
4 beds3.5 baths2,521 sq ft
1153 Hampton Rd, Annapolis, MD 21409

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Earn from this home

Sell

$1,065,073

Est. take-home

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Refinance

Est. cash available

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Rent

$6,559/mo

Redfin rental estimate

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Market trends in 21409, MD

Last updated October 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-list price

100.0%

0.1% MoM

Median sale price

$677K

$27K MoM

Avg. days on market

34d

3 days MoM

Recently sold homes

2 MoM

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See all

Provided by Redfin

Sale history for 1094 River Bay Rd

Year

Property tax

Land + Additions

Assessment*

2026

$18,883 (+2.3%)

2025

$18,457 (+2.4%)

2024

$18,021 (+3.0%)

2023

$17,503 (+6.9%)

$1,134,000 + $555,500

$1,689,500

2022

$16,369 (+2.3%)

2021

$16,008 (+78.0%)

2020

$8,994 (+3.1%)

$1,079,000 + $393,000

$1,472,000

2019

$8,725 (+6.2%)

2018

$8,214 (+1.8%)

$636,000 + $471,900

$1,107,900

2017

$8,066 (+3.7%)

2016

$7,780 (+0.3%)

$570,000 + $386,900

$956,900

2015

$7,758 (+1.4%)

$570,000 + $386,900

$956,900

2014

$7,650 (+1.1%)

2013

$7,564 (+4.0%)

2012

$7,273 (+4.9%)

2011

$6,930

2010

$6,930 (+12.0%)

2009

$6,188

Tax history for 1094 River Bay Rd

Year

Property tax

Land + Additions

Assessment*

2026

$18,883 (+2.3%)

2025

$18,457 (+2.4%)

2024

$18,021 (+3.0%)

2023

$17,503 (+6.9%)

$1,134,000 + $555,500

$1,689,500

2022

$16,369 (+2.3%)

2021

$16,008 (+78.0%)

2020

$8,994 (+3.1%)

$1,079,000 + $393,000

$1,472,000

2019

$8,725 (+6.2%)

2018

$8,214 (+1.8%)

$636,000 + $471,900

$1,107,900

2017

$8,066 (+3.7%)

2016

$7,780 (+0.3%)

$570,000 + $386,900

$956,900

2015

$7,758 (+1.4%)

$570,000 + $386,900

$956,900

2014

$7,650 (+1.1%)

2013

$7,564 (+4.0%)

2012

$7,273 (+4.9%)

2011

$6,930

2010

$6,930 (+12.0%)

2009

$6,188

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Public record
Permits

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

43,992

Year renovated

2023

Sq. Ft.

4,000

Year built

1986

Style

Single Family Residential

County

Anne Arundel County

APN

03 16532215200

Parking Spaces

Basement

Yes

Accessible

HOA Dues

$20 /month

Garage

Yes

Features

Views, Waterfront

Last updated by owner on Oct 15, 2026.

Property details

Parking

Parking Information
# of Detached Garage Spaces: 2
Garage Features: Additional Storage Area, Garage - Front Entry, Garage Door Opener, Inside Access, Oversized
# of Total Garage and Parking Spaces: 6
Has Garage
# of Garage Spaces: 2
Driveway - # of Spaces: 4
Asphalt Driveway
Detached Garage, Driveway, Off Street

Interior

Bedroom Information
# of Bedrooms On 1st Upper Level: 3
# of Bedrooms On Main Level: 2

Bathroom Information
# of Bathrooms (Full) On 1st Upper Level: 2
# of Bathrooms (Full) On Main Level: 1
# of Bathrooms (Full) On All Upper Levels: 2
# of Bathrooms (Full): 3

Interior Information
Appliances: Built-In Microwave, Dishwasher, Disposal, Dryer, Dryer - Electric, Exhaust Fan, Icemaker, Oven - Self Cleaning, Oven/Range - Electric, Stainless Steel Appliances, Washer, Water Conditioner - Owned, Water Heater
Door Features: Double Entry, Sliding Glass
Flooring Type: Hardwood, Tile/Brick
Interior Features: CeilngFan(s), Attic, Entry Level Bedroom, Family Room Off Kitchen, Floor Plan - Open, Kitchen - Eat-In, Kitchen - Gourmet, Kitchen - Island, Kitchen - Table Space, Master Bedroom - Bay Front, Recessed Lighting, Stall Shower, Studio, Water Treat System, Wet/Dry Bar, Wood Floors, Other, Master Bath(s), Dining Area, Combination Kitchen/Living, Carpet
Living Area Sq.Ft. Source: Estimated
Wall & Ceiling Types: Dry Wall, 2 Story Ceilings, 9'+ Ceilings

Room Information
Bedroom 2, Bedroom 3, Bedroom 4, Bedroom 5, Kitchen, Family Room, Basement, Foyer, Bedroom 1, Sun/Florida Room, Laundry, Office, Bathroom 2, Bathroom 3, Attic, Full Bath
Laundry Type: Main Floor

Fireplace Information
Has Fireplace
# of Fireplaces: 1
Brick, Mantel(s), Wood

Basement Information
Basement: Yes
Other

Exterior

Property Information
Not Federal Flood Zone
Total Below Grade Sq. Ft.: 0
Improvement Assessed Value: $393,000
Ownership Interest: Fee Simple
Property Condition: Excellent
Year Built Source: Assessor
Year Major Reno/Remodel: 2020

Building Information
Other Structures: Above Grade, Below Grade
Outdoor Living Structures: Deck(s), Balcony
Roof: Asbestos Shingle
Structure Type: Detached
Window Features: Palladian, Double Hung, Screens, Sliding, Vinyl Clad
Other Structures: Office/Studio

Exterior Information
Sport Court
Fencing: Wood

Pool Information
Community Pool

Lot Information
Lot Features: Bulkheaded, Additional Lot(s), Cleared, Landscaping, Rear Yard
Navigable Water
Has Water View
Water Frontage In Feet: 156

Land Information
Additional Parcels Description: DOUBLE LOT
Land Assessed Value: $1,079,000

Dock Information
Dock Type and Features: Hoist/Lift Electric, Material - Treated Lumber, Pier, Private
Dock/Slip Conveyance: Deeded
# of Docks: 1
Dock/Slip Conveys: Yes

Above Grade Information
Finished Sq.Ft.: 4,000
Finished Sq.Ft. Source: Estimated

Below Grade Information
Unfinished Sq.Ft. Source: Assessor
Finished Sq.Ft. Source: Assessor

Financial

Tax Information
Agricultural Tax Due: No
County Tax: $12,870
Tax Assessed Value: $1,350,633
Tax Year: 2019
Tax Annual Amount: $13,168

Assessments Information
Special Assessment Payment: Annually
Year Assessed: 2020

Lease Information
Lease Considered: No

Utilities

Utilities Information
Central Air
Cooling Type: Central A/C
Cooling Fuel: Electric
Heat Pump(s), Baseboard - Electric
Heating Fuel: Electric, Propane - Owned
Hot Water: Electric
Sewer Septic: Public Sewer
Propane, Under Ground
Water Source: Well

Location

Homeowners Association Information
HOA/Condo/Coop Amenities: Beach, Boat Ramp, Community Center, Common Grounds, Game Room, Meeting Room, Party Room, Picnic Area, Pier/Dock, Pool Mem Avail, Tot Lots/Playground, Water/Lake Privileges
HOA Fee: $20
HOA Fee Frequency: Annually

School Information
Elementary School: CAPE ST. CLAIRE
Middle Or Junior School: MAGOTHY RIVER
High School: BROADNECK
School District Name: ANNE ARUNDEL COUNTY PUBLIC SCHOOLS
Elementary School Source: 3rd Party
Middle School Source: 3rd Party
High School Source: 3rd Party
School District Source: 3rd Party

Location Information
Outside City Limits
Directions: Rt 50 E towards Bay Bridge to exit 29B, Turn Right at stop sign and follow to light at College Parkway continue straight accross and follow Cape St Claire Rd till it ends. Turn left on River Bay and follow to 1094 on the right.
Location Type: River
Mean Low Water Feet: 3

Waterfrontage Information
Water Access Features: Boat - Powered, Canoe/Kayak, Personal Watercraft (PWC), Private Access, Sail, Swimming Allowed, Waterski/Wakeboard
Water Access
Private Dock Site
On Waterfront
Water Oriented
Water Body Type: River
Water Body Name: MAGOTHY RIVER

Public facts

Beds: 5
Baths: 4.0
Sq. Ft.: 4,000
Stories: 2.0
Parking Spaces: 12
Basement: Yes
Accessible: No
Lot Size: 1.01 acres
Style: Single Family Residential
Year Built: 1986
Year Renovated: 2023
County: Anne Arundel County
APN: 03 16532215200
HOA Dues: $20/month
Garage: Yes
Features: Views, Waterfront

Home facts updated by owner on Oct 14, 2026

Around this home

Schools

K - 12
Preschool & daycare

Cape St. Claire Elementary School

Public PreK-5 • Assigned • 0.9mi

8/10

Magothy River Middle School

Public 6-8 • Assigned • 3.7mi

10/10

Broadneck High School

Public 9-12 • Assigned • 0.9mi

9/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

8/10 Heat Factor

7 days above 104° expected this year, 15 days in 30 years

6/10 Wind Factor

70% chance of strong winds in next 30 years

3/10 Air Factor

3 unhealthy days expected this year, 4 days in 30 years

Provided by First Street

Historical weather

Annapolis, MD • 21409

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.3 hours in June and 4.6 hours in December, which is comparable to the U.S. average for solar exposure.

9.3 hrs

4.6 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$2.50M – $3.02M

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Home values near 1094 River Bay Rd

Data from public records.

Address	Redfin Estimate
1084 River Bay Road, Annapolis, MD 6 Beds \| 3.5 Baths \| 4776 Sq. Ft.	$1,832,213
1108 River Bay Road, Annapolis, MD 3 Beds \| 3.5 Baths \| 3262 Sq. Ft.	$1,512,975
1096 River Bay Road, Annapolis, MD 3 Beds \| 1 Baths \| 2224 Sq. Ft.	$1,262,541
1098 River Bay Road, Annapolis, MD - Beds \| 1.5 Baths \| 1421 Sq. Ft.	$1,052,832
1107 River Bay Road, Annapolis, MD - Beds \| 2 Baths \| 1344 Sq. Ft.	$537,722
1089 River Bay Road, Annapolis, MD - Beds \| 1 Baths \| 1073 Sq. Ft.	$486,678
1095 River Bay Road, Annapolis, MD - Beds \| 2.5 Baths \| 2203 Sq. Ft.	$639,521

Address	Redfin Estimate
1088 River Bay Road, Annapolis, MD 5 Beds \| 4 Baths \| 2972 Sq. Ft.	$2,253,887
1104 River Bay Road, Annapolis, MD 4 Beds \| 2 Baths \| 1500 Sq. Ft.	$1,857,547
1097 River Bay Road, Annapolis, MD 4 Beds \| 2 Baths \| 1842 Sq. Ft.	$765,656
1093 River Bay Road, Annapolis, MD - Beds \| 3.5 Baths \| 2733 Sq. Ft.	$794,882
1091 River Bay Road, Annapolis, MD 4 Beds \| 3.5 Baths \| 3667 Sq. Ft.	$1,145,365
1106 River Bay Road, Annapolis, MD 7 Beds \| 6.5 Baths \| 6368 Sq. Ft.	$3,054,536
1103 River Bay Road, Annapolis, MD 3 Beds \| 3 Baths \| 2360 Sq. Ft.	$727,413

Address	Redfin Estimate
1086 River Bay Road, Annapolis, MD 5 Beds \| 5.5 Baths \| 5488 Sq. Ft.	$3,353,621
1090 River Bay Road, Annapolis, MD 4 Beds \| 3.5 Baths \| 2476 Sq. Ft.	$2,197,392
1100 River Bay Road, Annapolis, MD 5 Beds \| 3 Baths \| 2504 Sq. Ft.	$1,938,515
1082 River Bay Road, Annapolis, MD 3 Beds \| 2 Baths \| 2190 Sq. Ft.	$1,344,141
1080 River Bay Road, Annapolis, MD 3 Beds \| 2 Baths \| 1406 Sq. Ft.	$1,620,477
1105 River Bay Road, Annapolis, MD - Beds \| 2.5 Baths \| 2370 Sq. Ft.	$723,229
1101 River Bay Road, Annapolis, MD 4 Beds \| 3.5 Baths \| 2800 Sq. Ft.	$919,499

Property information provided by BRIGHT MLS when last listed in 2020. This data may not show owner updates. Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Redfin Estimate

Earn from this home

Market trends in 21409, MD

Sale history for 1094 River Bay Rd

Tax history for 1094 River Bay Rd

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 21409

Home values near 1094 River Bay Rd

More real estate resources