Seller's Agent in 2025
Heather Giovingo
Coldwell Banker (NRT-Southeast-MidAtlantic)
(443) 254-1074
26 in this area
117 Total Sales
3403 Niagara Rd Annapolis, MD 21403
4
Beds
3.5
Baths
3,520
Sq Ft
9,750
Sq Ft Lot
Highlights
- 350 Feet of Waterfront
- Public Boat Ramp
- Boat Ramp
- Hillsmere Elementary School Rated 9+
- 5 Dock Slips
- Sandy Beach
About This Home
As of September 2025Big 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.
Last Agent to Sell the Property
(443) 254-1074 heather.giovingo@cbrealty.com Coldwell Banker Realty License #679312 Listed on: 06/12/2025
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
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jun 12, 2025
Closed on
Sep 12, 2025
Sold by
Claggett Sally W and Damm John
Bought by
Stiverson Emelia
Seller's Agent
Heather Giovingo
Coldwell Banker Realty
Buyer's Agent
Reid Buckley
Long & Foster Real Estate, Inc.
List Price
$1,700,000
Sold Price
$1,550,000
Premium/Discount to List
-$150,000
-8.82%
Views
198
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
0.16%
Original Mortgage
$425,000
Outstanding Balance
$424,535
Interest Rate
5.5%
Mortgage Type
New Conventional
Estimated Equity
$1,125,929
Purchase Details
Listed on
Nov 1, 2011
Closed on
May 2, 2012
Sold by
Hinman David T
Bought by
Claggett Sally W and Damm John
Seller's Agent
Patricia Pell
Champion Realty, Inc.
Buyer's Agent
Antonia Barry
Coldwell Banker Realty
List Price
$850,000
Sold Price
$800,000
Premium/Discount to List
-$50,000
-5.88%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.07%
Original Mortgage
$625,000
Interest Rate
2.87%
Mortgage Type
Adjustable Rate Mortgage/ARM
Purchase Details
Closed on
May 7, 2007
Sold by
O'Toole James P
Bought by
Hinman David T
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$1,080,000
Interest Rate
1%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Apr 30, 2007
Sold by
O'Toole James P
Bought by
Hinman David T
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$1,080,000
Interest Rate
1%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Jan 24, 2002
Sold by
Fishing Cove Builders Inc
Bought by
O'Toole James P and O'Toole Babara J
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Special Warranty Deed | $1,550,000 | Manor Title Llc | |
| 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 | $425,000 | New Conventional | |
| Previous Owner | $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
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 09/12/2025 09/12/25 | Sold | $1,550,000 | -3.1% | $440 / Sq Ft | |
| 08/03/2025 08/03/25 | Pending | -- | -- | -- | |
| 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 | View Prior Sale |
| 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
Tax History Compared to Growth
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
Agents Affiliated with this Home
-
Heather Giovingo
-
Reid Buckley
Buyer's Agent in 2025
Reid Buckley
Long & Foster
(410) 266-6880
13 in this area
81 Total Sales
-
P
Seller's Agent in 2012
Patricia Pell
Champion Realty Inc
-
Antonia Barry
Buyer's Agent in 2012
Antonia Barry
Coldwell Banker (NRT-Southeast-MidAtlantic)
(410) 533-1177
6 in this area
37 Total Sales
Map
Source: Bright MLS
MLS Number: MDAA2116290
APN: 02-002-90058749
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