3403 Niagara Rd Annapolis, MD 21403
Estimated payment $9,524/month
Total Views
17,325
4
Beds
3.5
Baths
3,520
Sq Ft
$455
Price per Sq Ft
Highlights
- 350 Feet of Waterfront
- Public Boat Ramp
- Boat Ramp
- Hillsmere Elementary School Rated 9+
- 5 Dock Slips
- Sandy Beach
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.
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $10,482
Year Built
- Built in 2002
Lot Details
- 9,750 Sq Ft Lot
- 350 Feet of Waterfront
- Home fronts navigable water
- Sandy Beach
- Public Beach
- Creek or Stream
- Property is Fully Fenced
- Transfer of home includes membership into 3400 Niagara LLC that owns the approximately 350 ft of waterfront and the pier
- Property is zoned R2
Parking
- 4 Car Attached Garage
- 4 Driveway Spaces
- Parking Storage or Cabinetry
- Front Facing Garage
Home Design
- Coastal Architecture
- Contemporary Architecture
- Slab Foundation
- Architectural Shingle Roof
Interior Spaces
- Property has 3 Levels
- Fireplace With Glass Doors
- Creek or Stream Views
Bedrooms and Bathrooms
Basement
- Connecting Stairway
- Garage Access
- Basement with some natural light
Eco-Friendly Details
- Home Energy Management
- Solar Power System
- Solar owned by seller
- Solar Water Heater
- Solar Heating System
Outdoor Features
- Canoe or Kayak Water Access
- Private Water Access
- Swimming Allowed
- Electric Hoist or Boat Lift
- Boat Ramp
- 5 Dock Slips
- Physical Dock Slip Conveys
- Dock made with Treated Lumber
- Shared Waterfront
- Powered Boats Permitted
Schools
- Hillsmere Elementary School
- Annapolis Middle School
- Annapolis High School
Additional Features
- More Than Two Accessible Exits
- Property is near a creek
- Forced Air Heating and Cooling System
Listing and Financial Details
- Tax Lot FR
- Assessor Parcel Number 020200290058749
Community Details
Overview
- No Home Owners Association
- Arundel On The Bay Subdivision
Recreation
- Public Boat Ramp
- Fishing Allowed
Map
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Home Values in the Area
Average Home Value in this Area
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 | $11,167 | $1,016,733 | -- | -- |
| 2024 | $11,167 | $922,567 | $0 | $0 |
| 2023 | $10,721 | $828,400 | $371,900 | $456,500 |
| 2022 | $10,184 | $819,667 | $0 | $0 |
| 2021 | $20,061 | $810,933 | $0 | $0 |
| 2020 | $9,825 | $802,200 | $371,900 | $430,300 |
| 2019 | $9,689 | $802,200 | $371,900 | $430,300 |
| 2018 | $8,134 | $802,200 | $371,900 | $430,300 |
| 2017 | $9,223 | $813,300 | $0 | $0 |
| 2016 | -- | $775,967 | $0 | $0 |
| 2015 | -- | $738,633 | $0 | $0 |
| 2014 | -- | $701,300 | $0 | $0 |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 07/16/2025 07/16/25 | Price Changed | $1,600,000 | -5.9% | $455 / Sq Ft |
| 06/12/2025 06/12/25 | For Sale | $1,700,000 | +112.5% | $483 / Sq Ft |
| 04/30/2012 04/30/12 | Sold | $800,000 | -5.9% | $205 / Sq Ft |
| 12/22/2011 12/22/11 | Price Changed | $850,000 | +6.3% | $218 / Sq Ft |
| 11/15/2011 11/15/11 | Pending | -- | -- | -- |
| 11/07/2011 11/07/11 | Price Changed | $799,900 | -5.9% | $205 / Sq Ft |
| 11/02/2011 11/02/11 | For Sale | $850,000 | +6.3% | $218 / Sq Ft |
| 11/01/2011 11/01/11 | Off Market | $800,000 | -- | -- |
Source: Bright MLS
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $800,000 | Church Circle Title And Escr | |
| Deed | $1,350,000 | -- | |
| Deed | $1,350,000 | -- | |
| Deed | $250,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $211,000 | New Conventional | |
| Closed | $121,900 | Adjustable Rate Mortgage/ARM | |
| Open | $625,000 | Adjustable Rate Mortgage/ARM | |
| Previous Owner | $1,080,000 | Purchase Money Mortgage | |
| Previous Owner | $1,080,000 | Purchase Money Mortgage | |
| Closed | -- | No Value Available |
Source: Public Records
Similar Homes in Annapolis, MD
Source: Bright MLS
MLS Number: MDAA2116290
APN: 02-002-90058749
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