SOLD SEP 12, 2025

Off Market Sep 2025 for $1.5M

$1,674,265

Est. refi paymentEst. refi $9,786/mo

•

3,520

sq ft

3403 Niagara Rd, Annapolis, MD 21403

About this home

Big views, better value—now offered at a newly adjusted price, this Arundel-on-the-Bay gem is your gateway to Chesapeake waterfront living. Perfectly perched to capture peaceful views of Fishing Creek, this home offers the rare opportunity to enjoy water access, a private community pier, and coastal serenity just minutes from downtown Annapolis—all at an unbeatable value. Wake up to shimmering water vistas and end your day watching the sunset from the gracious front porch. Inside, rich hardwood floors and an airy coastal palette reflect the natural light pouring in from every angle. The open-concept main living area, thoughtfully designed kitchen, and oversized garage with ample storage make everyday living and entertaining a breeze. With four spacious bedrooms and three and a half baths, there’s room for family and guests, while the fully fenced backyard offers a private escape for morning coffee, evening cocktails, or summer crab feasts. Whether you're seeking a weekend retreat or your forever home, this is your chance to live the waterfront lifestyle—without the waterfront tax bill. Don’t miss this incredible value in the sought-after Arundel-on-the-Bay community. Schedule your private tour today.

Single-familyProperty Type

2002Year Built

9,750 sq ftLot Size

$476Est. Price/Sq.Ft.

4 garage spacesParking

Listed by Heather Giovingo • Coldwell Banker Realty

•410-263-8686 (broker)

•khylah.settle@cbmove.com (broker)

Bought with Reid Buckley • Long & Foster Real Estate, Inc.

•410-260-2800 (broker)

Redfin checked: 2 minutes ago

•Source:BRIGHT MLS #MDAA2116290

Redfin Estimate

$1,674,265

$124K since sold in September 2025$8,000 since July

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 44% higher than the average sale price ($1.16M) of 6 comparable homes.

SOLD JUN 17, 2026
$1,495,000
A
4 beds4 baths2,695 sq ft
1326 Washington Dr, Annapolis, MD 21403
SOLD MAR 30, 2026
$1,300,000
B
4 beds3.5 baths2,875 sq ft
3506 Rockway Ave, Annapolis, MD 21403
SOLD JUN 26, 2026
$1,575,000
C
4 beds4 baths2,798 sq ft
3300 Shore Dr, Annapolis, MD 21403
SOLD JAN 9, 2026
$925,000
D
4 beds3.5 baths3,142 sq ft
161 E Bay View Dr, Annapolis, MD 21403
SOLD FEB 20, 2026
$825,000
E
4 beds3 baths3,254 sq ft
403 Holly Dr, Annapolis, MD 21403
SOLD JUL 27, 2026
$855,000
F
4 beds2.5 baths2,976 sq ft
2701 Ogleton Rd, Annapolis, MD 21403

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Earn from this home

Sell

$356,077

Est. take-home

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Refinance

Est. cash available

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Rent

$4,579/mo

Redfin rental estimate

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Market trends in 21403, MD

Last updated July 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-List Price

99.4%

0.3% MoM

Median sale price

$712K

$57K MoM

Avg. days on market

34d

1 days MoM

Recently sold homes

140

21 MoM

New listings for sale

$595,000
2 beds2 baths1,267 sq ft
2123 Beach Village Ct Unit T2, Annapolis, MD 21403
(410) 429-7425
OPEN SUN, 11AM TO 1PM
$275,000
2 beds2 baths1,394 sq ft
1227-I Gemini Dr Unit 1227-I, Annapolis, MD 21403
(410) 429-7425
$725,000
6 beds3 baths2,876 sq ft
1025 Hanson St, Annapolis, MD 21403
(410) 224-3600
$980,000
3 beds2 baths2,035 sq ft
54 Decatur Ave, Annapolis, MD 21403
(410) 260-2800
$849,900
4 beds3 baths2,500 sq ft
109 Sunset Dr, Annapolis, MD 21403
(410) 461-2800
$500,000
4 beds2.5 baths2,738 sq ft
318 Beach Dr, Annapolis, MD 21403
(410) 638-9555
$300,000
2 beds2 baths1,217 sq ft
10 Hearthstone Ct Unit B, Annapolis, MD 21403
(410) 263-3400
VIDEO TOUR
$825,000
1 bed1.5 baths923 sq ft
1 President Point Dr Unit A1, Annapolis, MD 21403
(410) 280-5600
$385,000
2 beds2 baths1,103 sq ft
1144 Lake Heron Dr Unit 2B, Annapolis, MD 21403
(888) 455-6040
$1,775,000
2 beds2.5 baths2,176 sq ft
7017 Bay Front Dr, Annapolis, MD 21403
(410) 286-9632
See all

Provided by Redfin

Redfin agents who toured

Charming home with stunning water views, featuring a spacious garage and a large primary bedroom upstairs. Offers great potential with key updates.
1 year ago• May not reflect the current state of the home
Ari Musliu
Redfin Premier agent

Sale history for 3403 Niagara Rd

Date

Event

Price

BRIGHT MLS #MDAA2116290

Sep 12, 2025

Sold

$1,550,000

$440/sq ft

Sep 9, 2025

Pending

—

Aug 3, 2025

Contingent

—

Jul 16, 2025

Price Changed

$1,600,000

$455/sq ft

Jun 12, 2025

Listed

$1,700,000

$483/sq ft

May 24, 2025

Coming Soon

$1,700,000

$483/sq ft

BRIGHT MLS #1004629974

Apr 30, 2012

Sold

$800,000

$227/sq ft

Nov 15, 2011

Listing Removed

—

Nov 1, 2011

Listed

$850,000

$241/sq ft

Gorgeous views of Fishing Creek from this 3800+ SF newer home * Granite counters * Maple Cabs * Large & open living spaces * Custom built-ins * 9' ceilings * Stacked stone pond w/ waterfall * Shared Pier on protected water w/ 4' depth * 300' of waterfrontage * All Docs in Matrix * Short sale - needs 3rd party approval * Home needs some work, but still GOOD Value for the $$. .. !!

MRIS #AA7719726

Apr 30, 2012

Sold

$800,000

$227/sq ft

Dec 22, 2011

Price Changed

$241/sq ft

Nov 15, 2011

Pending

—

Nov 7, 2011

Price Changed

$227/sq ft

Nov 2, 2011

Relisted

—

Nov 1, 2011

Listed

$241/sq ft

Nov 1, 2011

Delisted

—

Public Records

May 7, 2007

Sold

$1,350,000

$384/sq ft

MRIS #AA6069937

Aug 14, 2006

Delisted

—

May 31, 2006

Listed

MRIS #AA5479128

May 31, 2006

Delisted

—

Dec 16, 2005

Listed

MRIS #AA5235636

Dec 15, 2005

Delisted

—

May 4, 2005

Listed

MRIS #AAA21065C

Oct 19, 2001

Delisted

—

Jun 21, 1998

Listed

$185/sq ft

** Price available after signing in.

Year

Property tax

Land + Additions

Assessment*

2025

$11,542 (+3.4%)

$413,200 + $697,700

$1,110,900

2024

$11,167 (+4.2%)

2023

$10,721 (+5.3%)

2022

$10,184 (+1.5%)

$371,900 + $456,500

$828,400

2021

$10,030 (+2.1%)

2020

$9,825 (+1.4%)

2019

$9,689 (+4.3%)

$371,900 + $430,300

$802,200

2018

$9,292 (+0.7%)

$371,900 + $430,300

$802,200

2017

$9,223 (+3.8%)

$327,800 + $485,500

$813,300

2016

$8,883 (+1.2%)

2015

$8,781 (+46.1%)

$260,400 + $440,900

$701,300

2014

$6,012 (−29.8%)

2013

$8,559 (+0.8%)

2012

$8,488 (+5.1%)

2011

$8,075

2010

$8,075 (+20.4%)

2009

$6,707

Tax history for 3403 Niagara Rd

Year

Property tax

Land + Additions

Assessment*

2025

$11,542 (+3.4%)

$413,200 + $697,700

$1,110,900

2024

$11,167 (+4.2%)

2023

$10,721 (+5.3%)

2022

$10,184 (+1.5%)

$371,900 + $456,500

$828,400

2021

$10,030 (+2.1%)

2020

$9,825 (+1.4%)

2019

$9,689 (+4.3%)

$371,900 + $430,300

$802,200

2018

$9,292 (+0.7%)

$371,900 + $430,300

$802,200

2017

$9,223 (+3.8%)

$327,800 + $485,500

$813,300

2016

$8,883 (+1.2%)

2015

$8,781 (+46.1%)

$260,400 + $440,900

$701,300

2014

$6,012 (−29.8%)

2013

$8,559 (+0.8%)

2012

$8,488 (+5.1%)

2011

$8,075

2010

$8,075 (+20.4%)

2009

$6,707

*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

3.5

Stories

Lot width

—

Lot depth

—

Lot size

9,750 Sq. Ft.

Year renovated

—

Sq. Ft.

3,520

Year built

2002

Style

Single Family Residential

County

Anne Arundel County

APN

02 00290058749

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jul 17, 2026.

Property details

Parking

Parking Information
# of Attached Garage Spaces: 4
Garage Features: Additional Storage Area, Garage - Front Entry, Oversized
# of Total Garage and Parking Spaces: 9
Has Garage
# of Garage Spaces: 4
Driveway - # of Spaces: 4
Off Street - # of Spaces: 1
Attached Garage, Driveway, Off Street

Interior

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

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

Interior Information
Living Area Sq.Ft. Source: Assessor

Fireplace Information
Has Fireplace
# of Fireplaces: 1
Fireplace - Glass Doors

Basement Information
Basement: Yes
Connecting Stairway, Daylight, Partial, Garage Access

Exterior

Property Information
Not Federal Flood Zone
Total Below Grade Sq. Ft.: 1568
Accessibility Features: 2+ Access Exits
Improvement Assessed Value: $697,700
Ownership Interest: Fee Simple
Year Built Source: Assessor

Building Information
Construction Materials: Mixed
Foundation Details: Slab
Other Structures: Above Grade, Below Grade
Pets Allowed: Yes
Pet Restrictions: No Pet Restrictions
Roof: Architectural Shingle
Structure Type: Detached

Exterior Information
Fencing: Fully

Property Green Features
Energy Efficient: Home Energy Management
Energy Generation: PV Solar Array(s) Owned
Remarks: Fully owned solar panels that yield low to no electric bills. Solar hot water heater

Lot Information
Navigable Water
Has Water View
Water Frontage In Feet: 350

Land Information
Additional Parcels Description: Transfer of home includes membership into 3400 Niagara LLC that owns the approximately 350 ft of waterfront and the pier
Land Assessed Value: $413,200

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

Above Grade Information
Finished Sq.Ft.: 3,520
Finished Sq.Ft. Source: Assessor

Below Grade Information
Unfinished Sq.Ft.: 1,568
Unfinished Sq.Ft. Source: Assessor
Finished Sq.Ft. Source: Assessor

Financial

Tax Information
County Tax: $10,102
Tax Assessed Value: $1,016,733
Tax Year: 2024
Tax Annual Amount: $10,482

Assessments Information
Year Assessed: 2025

Utilities

Utilities Information
Central Air
Cooling Type: Central A/C
Cooling Fuel: Electric, Solar Photovoltaic
Forced Air
Heating Fuel: Electric, Solar
Hot Water: Solar
Sewer Septic: Public Sewer
Water Source: Private

Location

School Information
Elementary School: HILLSMERE
Middle Or Junior School: ANNAPOLIS
High School: ANNAPOLIS
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: Take Arundel on the Bay Road through Oyster Harbor. After entering the Arundel on the Bay Community Take First Right on Walnut, Take First Right on Saratoga. Take left at end of the street and follow it all the way down to the water. Welcome Home!
Location Type: Creek
Mean Low Water Feet: 4

Waterfrontage Information
Water Access Features: Boat - Powered, Canoe/Kayak, Fishing Allowed, Private Access, Public Access, Public Beach, Swimming Allowed
Water Access
Boat/Launch Ramp - Private, Boat/Launch Ramp - Public, Private Dock Site, Shared, Sandy Beach
On Waterfront
Water Oriented
Water Body Type: Creek
Water Body Name: FISHING CREEK

Public facts

Beds: —
Baths: 3.5
Sq. Ft.: 3,520
Stories: 2.0
Lot Size: 9,750 square feet
Style: Single Family Residential
Year Built: 2002
Year Renovated: —
County: Anne Arundel County
APN: 02 00290058749

Home facts updated by county records on Jul 17, 2026

Around this home

Schools

Hillsmere Elementary School

Public PreK-5 • Assigned • 1.6mi

10/10

Annapolis Middle School

Public 6-8 • Assigned • 3.3mi

3/10

Annapolis High School

Public 9-12 • Assigned • 6.3mi

4/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

6/10 Flood Factor

Estimated 51-63% chance 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 105° expected this year, 16 days in 30 years

8/10 Wind Factor

80% 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 • 21403

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 4.7 hours in December, which is comparable to the U.S. average for solar exposure.

9.3 hrs

4.7 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$1.59M – $1.93M

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Home values near 3403 Niagara Rd

Data from public records.

Address	Redfin Estimate
3401 Niagara Rd, Annapolis, MD 4 Beds \| 3.5 Baths \| 2672 Sq. Ft.	$1,178,328
3401 Saratoga Ave, Annapolis, MD - Beds \| 2.5 Baths \| 2700 Sq. Ft.	$880,201

Address	Redfin Estimate
3405 Niagara Rd, Annapolis, MD - Beds \| 3 Baths \| 3970 Sq. Ft.	$1,557,340
3403 Saratoga Ave, Annapolis, MD - Beds \| 2.5 Baths \| 2524 Sq. Ft.	$818,584

Address	Redfin Estimate
3407 Niagara Rd, Annapolis, MD 4 Beds \| 3 Baths \| 3372 Sq. Ft.	$1,502,931
3405 Saratoga Ave, Annapolis, MD 3 Beds \| 2.5 Baths \| 2352 Sq. Ft.	$859,436

Property information provided by BRIGHT MLS when last listed in 2025. This data may not match . Learn more.

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About this home

Redfin Estimate

Earn from this home

Market trends in 21403, MD

Redfin agents who toured

Sale history for 3403 Niagara Rd

Tax history for 3403 Niagara Rd

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 21403

Home values near 3403 Niagara Rd

More real estate resources