Catrina Jackson
RLAH @properties
(240) 775-2559
49 Total Sales
1 in Annapolis Neck
$339,000 Price
3403 Niagara Rd Annapolis, MD 21403
Annapolis Neck Area
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
(410) 263-8686 khylah.settle@cbmove.com Coldwell Banker Realty License #679312 Listed on: 06/12/2025
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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
Utilities
- Forced Air Heating and Cooling System
- Private Water Source
Additional Features
- More Than Two Accessible Exits
- Property is near creek
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
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
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
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.
Original Mortgage
$425,000
Outstanding Balance
$420,736
Interest Rate
5.5%
Mortgage Type
New Conventional
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
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
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Annapolis, MD
-
Catrina Jackson
-
Richard Harrington
Richard Harrington
RE/MAX Executive
(240) 635-9035
39 Total Sales
1 in Annapolis Neck
$519,900 Price
-
Shane Hall
Shane Hall
Compass
(443) 775-3807
99 Total Sales
10 in Annapolis Neck
$535K - $2.2M Price Range
-
Stacy Henderson
Stacy Henderson
Coldwell Banker Realty
(240) 261-5245
54 Total Sales
2 in Annapolis Neck
$2.1M - $3.7M Price Range
-
Lori Marino
Lori Marino
Responds QuicklyLong & Foster Real Estate, Inc.
(443) 951-3841
30 Total Sales
1 in Annapolis Neck
$653,000 Price
-
Charlotte Eyring
Charlotte Eyring
Compass
(667) 401-8113
95 Total Sales
1 in Annapolis Neck
$703,500 Price
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $1,550,000 | Manor Title Llc | ||
| Claggett Sally W | $800,000 | Church Circle Title And Escr | |
| Hinman David T | $1,350,000 | -- | |
| O'toole James P | $250,000 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | $425,000 | ||
| Previous Owner | Claggett Sally W | $625,000 | |
| Previous Owner | Hinman David T | $1,080,000 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 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 | -- | $483 / Sq Ft |
Source: Bright MLS
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| 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 |
|---|---|---|---|---|
| 2026 | $11,542 | $1,110,900 | $413,200 | $697,700 |
| 2025 | $11,542 | $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 |
| 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
Seller's Agent in 2025
Heather Giovingo
Coldwell Banker (NRT-Southeast-MidAtlantic)
(443) 254-1074
110 Total Sales
-
Reid Buckley
Buyer's Agent in 2025
Reid Buckley
Long & Foster
(410) 266-6880
95 Total Sales
-
PP
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
33 Total Sales
Map
Source: Bright MLS
MLS Number: MDAA2116290
APN: 02-002-90058749
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms, and is provided by BRIGHT through a licensing agreement.
Listing information is from various brokers who participate in the Bright MLS IDX program and not all listings may be visible on the site.
The property information being provided on or through the website is for the personal, non-commercial use of consumers and such information may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Some properties which appear for sale on the website may no longer be available because they are for instance, under contract, sold or are no longer being offered for sale.
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Copyright 2026 Bright MLS, Inc.
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