$785,000
SOLD FEB 21, 2026

3109 Ervin Ct Annapolis, MD 21403

2 Beds
2.5 Baths
1,801 Sq Ft
0.46 Acres

Recently Sold

$436 Per Sq Ft

8% Below List Price

85 Days on Market

Highlights

  • 80 Feet of Waterfront
  • Access to Tidal Water
  • Deck
  • Hillsmere Elementary School Rated 9+
  • Colonial Architecture
  • Vaulted Ceiling

About This Home

As of February 2026

MAJOR UPDATES JUST COMPLETED + SIGNIFICANT PRICE IMPROVEMENT!
This waterfront home has been freshly painted throughout and features a brand-new roof, offering peace of mind and a fresh, move-in-ready feel. Now priced at $849,900 (previously $899,000), this is a rare opportunity to secure waterfront living in Kitty Creek at a compelling new value. Located just a short drive from Quiet Waters Park, Downtown Annapolis, and everything the area has to offer, this home is nestled in the desirable Kitty Creek community. With approximately 80 feet of waterfront, the 2-bedroom, 2.5-bath, with a loft that can be easily converted to a third bedroom, features a bright and open main level with vaulted ceilings connecting the living room, dining area, kitchen, and a spacious sunroom overlooking the water. The primary suite is conveniently located on the main level, complete with a private bath and in-closet laundry, along with a half bath for guests. The upper level offers two additional bedrooms and a full bath, while the unfinished basement provides endless potential for additional living space, storage, or a large recreation area. The basement also includes a second washer and dryer and walkout access to the backyard. Outdoor highlights include a large back deck, expansive yard with water views, a two-car concrete driveway, and a welcoming front porch—perfect for enjoying peaceful waterfront surroundings. This home combines serene waterfront living with unbeatable convenience—just minutes from parks, shops, and restaurants, and within easy reach of Baltimore, Washington D.C., Fort Meade, and Andrews Air Force Base. Whether you’re seeking a move-in-ready home with light updates or an opportunity to customize further, this is an exceptional chance to enjoy waterfront living in Kitty Creek at a newly adjusted price

Last Agent to Sell the Property

Brian Furr

(888) 860-7369 Brianfurr2@gmail.com EXP Realty, LLC Brokerage Phone: 8888607369 Listed on: 11/06/2025

EXP Realty, LLC

Last Buyer's Agent

John Howell

(410) 535-1000 johnhowell2004@aol.com Long & Foster Real Estate, Inc.

Long & Foster Real Estate, Inc.

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $7,565

Year Built

  • Built in 1986

Lot Details

  • 0.46 Acre Lot
  • 80 Feet of Waterfront
  • Home fronts navigable water
  • Creek or Stream
  • Property is in good condition
  • Property is zoned R2

HOA Fees

  • $21 Monthly HOA Fees

Property Views

  • Water
  • Woods

Home Design

  • Colonial Architecture
  • Slab Foundation
  • Asphalt Roof
  • Vinyl Siding

Interior Spaces

  • Property has 3 Levels
  • Vaulted Ceiling
  • 1 Fireplace
  • Living Room
  • Loft
  • Sun or Florida Room
  • Laundry on lower level

Bedrooms and Bathrooms

Unfinished Basement

  • Interior and Exterior Basement Entry
  • Sump Pump

Parking

  • 2 Parking Spaces
  • 2 Driveway Spaces
  • On-Street Parking

Outdoor Features

  • Access to Tidal Water
  • Water Access
  • Deck

Schools

  • Hillsmere Elementary School
  • Annapolis Middle School
  • Annapolis High School

Utilities

  • Central Heating and Cooling System
  • Well
  • Electric Water Heater

Community Details

  • Kitty Creek Subdivision

Listing and Financial Details

  • Tax Lot 19
  • Assessor Parcel Number 020245090027518

Home Details

Home Type

Single Family

Est. Annual Taxes

$7,565

Year Built

Built in 1986

Lot Details

0.46 Acres

HOA Fees

$21 per month

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Colonial
  • Ownership: Fee Simple
  • Exclusions: See disclosures
  • Inclusions: See disclosures
  • New Construction: No
  • Story List: Main, Upper 1
  • Expected On Market: 11/6/2025 12:00:00 AM
  • Year Built: 1986
  • Automatically Close On Close Date: No
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Fireplaces Count: 1
  • Fireplace: Yes
  • Foundation Details: Slab
  • Levels Count: 3
  • Room List: Living Room, Primary Bedroom, Bedroom 2, Kitchen, Sun/Florida Room, Loft, Bathroom 2, Primary Bathroom, Half Bath
  • Basement: Yes
  • Basement Type: Outside Entrance, Interior Access, Unfinished, Sump Pump
  • Laundry Type: Main Floor, Lower Floor
  • Total Sq Ft: 2841
  • Living Area Sq Ft: 1801
  • Price Per Sq Ft: 471.90
  • Above Grade Finished Sq Ft: 1801
  • Below Grade Sq Ft: 1040
  • Total Below Grade Sq Ft: 1040
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 2
  • Main Level Bedrooms: 1
  • Total Bathrooms: 3
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Main Level Bathrooms: 2.00
  • Upper Level Bathrooms: 1
  • Upper Level Bathrooms: 1.00
  • Main Level Full Bathrooms: 1
  • Main Level Half Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Vinyl Siding
  • Roof: Asphalt
  • Spa: No
  • View: Water, Trees/Woods
  • Water Access: Yes
  • Water Body Name: Smiths Creek
  • Water Body Type: Creek/Stream
  • Waterfront: Yes
  • Water Oriented: Yes
  • Pool: No Pool
  • Tidal Water: Yes
  • Water View: Yes
  • Water Frontage In Feet: 80

Garage/Parking

  • Garage: No
  • Parking Features: Concrete Driveway
  • Total Garage And Parking Spaces: 2
  • Type Of Parking: Driveway, On Street
  • Number of Spaces in Driveway: 2

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C
  • Heating Fuel: Electric
  • Heating Type: Central
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Public Sewer
  • Water Source: Well

Condo/Co-op/Association

  • HOA Fees: 250.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA: Yes
  • Senior Community: No

Schools

  • Elementary School Source: 3rd Party
  • High School Source: 3rd Party
  • Middle School Source: 3rd Party
  • School District Source: 3rd Party
  • Elementary School: HILLSMERE
  • High School: ANNAPOLIS
  • Middle Or Junior School: ANNAPOLIS

Lot Info

  • Lot Size Acres: 0.46
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 20244.00
  • Outdoor Living Structures: Deck(s)
  • Property Condition: Good
  • Zoning: R2
  • In City Limits: No

Rental Info

  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 7565.00
  • Assessor Parcel Number: 020245090027518
  • Tax Lot: 19
  • County Tax Payment Frequency: Annually
  • Tax Year: 2025

MLS Schools

  • School District Name: ANNE ARUNDEL COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Closed on
Jan 13, 2025
Sold by
Millette Elyce Adler and Milette Elyce
Bought by
Elyce Milette Trust and Milette

Purchase Details

Closed on
Sep 4, 1986
Sold by
Ervin Frank D
Bought by
Milette Gerald E and Rosner Elyce A

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$133,250
Interest Rate
9.93%
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Deed -- Eagle Title
Deed -- Eagle Title
Deed $148,300 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $133,250 No Value Available
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
02/21/2026 02/21/26 Sold $785,000 -7.6% $436 / Sq Ft
12/18/2025 12/18/25 Price Changed $849,900 0.0% $472 / Sq Ft
12/18/2025 12/18/25 For Sale $849,900 -5.6% $472 / Sq Ft
11/24/2025 11/24/25 Off Market $899,999 -- --
11/06/2025 11/06/25 For Sale $899,999 -- $500 / Sq Ft
Source: Bright MLS

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $4,221 $655,567 -- --
2024 $4,221 $611,033 -- --
2023 $4,074 $566,500 $411,100 $155,400
2022 $3,833 $566,500 $411,100 $155,400
2020 $3,695 $574,600 $411,100 $163,500
2019 $3,619 $550,833 $0 $0
2018 $5,344 $527,067 $0 $0
2017 $3,384 $503,300 $0 $0
2016 -- $500,400 $0 $0
2015 -- $497,500 $0 $0
2014 -- $494,600 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDAA2129974

Bright MLS

APN: 02-450-90027518

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