NOT LISTED FOR SALE

Estimated Value: $802,000 - $820,000

4 Beds
3 Baths
3,400 Sq Ft
$239/Sq Ft Est. Value

Sale Details

Date Sold: February 24, 2026

Last sale price $800,000 $235 Per Sq Ft

Est. 1% increase in value since last sale

Current estimated payment $4,983 / mo

7 Days on Market

Highlights

  • Boat Ramp
  • Home fronts navigable water
  • Fishing Allowed
  • Beach
  • Canoe or Kayak Water Access
  • Gourmet Country Kitchen

About This Home

As of February 2026

OPEN HOUSE CANCELLED! UNDER CONTRACT! Welcome to 406 Harbor Drive, an exceptional residence in the heart of Hillsmere Shores, one of Annapolis’ most coveted water-privileged communities. Completely renovated and impeccably maintained, this home offers approximately 4,000 finished square feet of beautifully designed living space where scale, comfort, and craftsmanship come together seamlessly. Walls of windows flood the open layout with natural light, highlighting rich hardwood floors, custom moldings, and timeless fixtures throughout. The gourmet kitchen is the true centerpiece of the home, featuring 42" cabinetry, stainless steel and chef-grade appliances, gleaming granite countertops, and an oversized center island—perfect for everyday living and effortless entertaining. A sunny morning room connects the kitchen and dining spaces, creating an inviting flow for gatherings large and small. The formal dining room is accented by a stunning tray ceiling, while the expansive living room offers an ideal setting for entertaining or relaxing. The primary suite is a showstopper, complete with vaulted ceilings, a sitting area, a custom walk-in closet, and a spa-inspired bath featuring a frameless glass walk-in shower with designer tile and a deep soaking tub. All additional bedrooms are generously sized with excellent closet space. The screened upper porch extends your living space outdoors—ideal for champagne sunsets, crab feasts, and relaxed evenings—finished with maintenance-free composite decking and vinyl posts. The lower level impresses with exposed brick walls, a large recreation room for movie nights and gatherings, and an open den with a cozy wood stove that works beautifully as a home office or study. A guest bedroom, full bath, oversized laundry room, and separate utility room provide flexibility, storage, and function. Outside, the fenced backyard is level, private, and surrounded by mature trees, offering endless possibilities for gardening, play, entertaining, or even adding a pool. A large paver patio is perfect for a fire pit and s’mores under the stars. Plenty of off-street parking completes the package. Hillsmere Shores delivers an unmatched lifestyle with two private beaches, beachfront playgrounds, a boat ramp, canoe and kayak storage, boat slips, beach pavilions, volleyball courts, and a community pool—all just moments away. Enjoy a vibrant calendar of neighborhood events including poolside movie nights, Food Truck Fridays, beach Easter egg hunts, Fourth of July bike parades, spring sock burning, and the annual pig roast. This is more than a home—it’s a community, a lifestyle, and an absolute 10.

Last Agent to Sell the Property

Wendy Oliver

(410) 263-8686 khylah.settle@cbmove.com Coldwell Banker Realty Brokerage Phone: 4102638686 Listed on: 01/24/2026

Coldwell Banker Realty

Co-Listed By

Catherine Marucci

(410) 263-8686 khylah.settle@cbmove.com Coldwell Banker Realty Brokerage Phone: 4102638686

Last Buyer's Agent

Shannon Calvery

(855) 450-0442 dmvbroker@therealbrokerage.com Real Broker, LLC License #0225223677

Real Broker, LLC

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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Home Details

Home Type

  • Single Family

Year Built

  • Built in 1972 | Remodeled in 2024

Lot Details

  • 12,562 Sq Ft Lot
  • Home fronts navigable water
  • Landscaped
  • Premium Lot
  • Level Lot
  • Cleared Lot
  • Back, Front, and Side Yard
  • Property is in excellent condition
  • Property is zoned R2

HOA Fees

  • $2 Monthly HOA Fees

Home Design

  • Craftsman Architecture
  • Bump-Outs
  • Architectural Shingle Roof
  • Vinyl Siding
  • Brick Front
  • Concrete Perimeter Foundation

Interior Spaces

  • Property has 2 Levels
  • Built-In Features
  • Crown Molding
  • Vaulted Ceiling
  • Ceiling Fan
  • Skylights
  • Recessed Lighting
  • Wood Burning Stove
  • Wood Burning Fireplace
  • Self Contained Fireplace Unit Or Insert
  • Brick Fireplace
  • Double Pane Windows
  • Insulated Windows
  • Double Hung Windows
  • Bay Window
  • Sliding Windows
  • Casement Windows
  • French Doors
  • Sliding Doors
  • Insulated Doors
  • Six Panel Doors
  • Entrance Foyer
  • Family Room Off Kitchen
  • Living Room
  • Formal Dining Room
  • Home Office
  • Recreation Room
  • Workshop
  • Screened Porch
  • Storage Room
  • Garden Views
  • Attic

Kitchen

  • Gourmet Country Kitchen
  • Breakfast Room
  • Built-In Double Oven
  • Six Burner Stove
  • Cooktop with Range Hood
  • Microwave
  • Extra Refrigerator or Freezer
  • Ice Maker
  • Dishwasher
  • Stainless Steel Appliances
  • Kitchen Island
  • Upgraded Countertops
  • Disposal

Flooring

  • Wood
  • Ceramic Tile

Bedrooms and Bathrooms

  • En-Suite Bathroom
  • Walk-In Closet
  • Soaking Tub
  • Bathtub with Shower
  • Walk-in Shower

Laundry

  • Laundry Room
  • Dryer
  • Washer

Finished Basement

  • Heated Basement
  • Walk-Out Basement
  • Basement Fills Entire Space Under The House
  • Connecting Stairway
  • Interior and Exterior Basement Entry
  • Drainage System
  • Sump Pump
  • Drain
  • Shelving
  • Workshop
  • Basement Windows

Parking

  • Driveway
  • Off-Street Parking

Eco-Friendly Details

  • Energy-Efficient Windows

Outdoor Features

  • Canoe or Kayak Water Access
  • Private Water Access
  • River Nearby
  • Personal Watercraft
  • Waterski or Wakeboard
  • Sail
  • Limited Hours Of Personal Watercraft Operation
  • Swimming Allowed
  • Powered Boats Permitted
  • Lake Privileges
  • Deck
  • Screened Patio
  • Waterfall on Lot
  • Playground

Schools

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

Utilities

  • Forced Air Heating and Cooling System
  • Vented Exhaust Fan
  • Programmable Thermostat
  • Underground Utilities
  • 200+ Amp Service
  • Water Treatment System
  • Well
  • Electric Water Heater
  • Water Conditioner is Owned

Listing and Financial Details

  • Tax Lot 5
  • Assessor Parcel Number 020241203269710

Community Details

Overview

  • Association fees include common area maintenance
  • Hsia HOA
  • Hillsmere Estates Subdivision

Amenities

  • Picnic Area
  • Common Area

Recreation

  • Boat Ramp
  • Community Boat Dock
  • Pier or Dock
  • 5 Community Docks
  • Mooring Area
  • Beach
  • Volleyball Courts
  • Community Playground
  • Community Pool
  • Pool Membership Available
  • Fishing Allowed

Security

  • Security Service

Home Details

Home Type

Single Family

Year Built

Built in 1972 | Remodeled in 2024

Lot Details

0.29 Acres

HOA Fees

$2 per month

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Craftsman
  • Ownership: Fee Simple
  • Historic: No
  • New Construction: No
  • Story List: Lower 1, Main
  • Expected On Market: 1/24/2026 12:00:00 AM
  • Federal Flood Zone: No
  • Year Built: 1972
  • Year Renovated: 2024
  • Automatically Close On Close Date: No
  • Special Features: 4098
  • Property Sub Type: Detached

Interior Features

  • Appliances: Cooktop, Dishwasher, Dryer, Exhaust Fan, Microwave, Oven - Double, Oven - Wall, Range Hood, Six Burner Stove, Stainless Steel Appliances, Washer, Disposal, Extra Refrigerator/Freezer, Icemaker, Refrigerator, Water Conditioner - Owned, Water Heater
  • Flooring Type: Wood, Ceramic Tile
  • Interior Amenities: Breakfast Area, Ceiling Fan(s), Formal/Separate Dining Room, Kitchen - Gourmet, Pantry, Recessed Lighting, Skylight(s), Bathroom - Soaking Tub, Bathroom - Stall Shower, Bathroom - Tub Shower, Upgraded Countertops, Walk-In Closet(s), Wood Floors, Stove - Wood, Attic, Built-Ins, Crown Moldings, Family Room Off Kitchen, Kitchen - Country, Kitchen - Eat-In, Kitchen - Island, Primary Bath(s), Water Treat System
  • Window Features: Bay/Bow, Casement, Double Hung, Double Pane, Energy Efficient, Skylights, Sliding, Insulated
  • Fireplace Features: Brick, Insert, Wood
  • Fireplaces Count: 1
  • Fireplace: Yes
  • Door Features: French, Six Panel, Sliding Glass, Insulated
  • Wall Ceiling Types: High
  • Foundation Details: Concrete Perimeter
  • Levels Count: 2
  • Room List: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen, Foyer, Breakfast Room, Office, Recreation Room, Storage Room, Workshop, Bathroom 2, Attic, Primary Bathroom, Full Bath, Screened Porch
  • Basement: Yes
  • Basement Type: Daylight, Full, Connecting Stairway, Drainage System, Full, Heated, Improved, Interior Access, Outside Entrance, Rear Entrance, Sump Pump, Shelving, Walkout Level, Windows, Workshop, Drain, Fully Finished
  • Laundry Type: Has Laundry
  • Total Sq Ft: 3400
  • Living Area Sq Ft: 3400
  • Price Per Sq Ft: 363.64
  • Above Grade Finished Sq Ft: 2200
  • Below Grade Finished Sq Ft: 1200
  • Total Below Grade Sq Ft: 1200
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 4
  • Main Level Bedrooms: 3
  • All Lower Level Bedrooms: 1
  • Total Bathrooms: 3
  • Full Bathrooms: 3
  • Main Level Bathrooms: 2.00
  • Lower Levels Bathrooms: 1
  • Lower Levels Bathrooms: 1.00
  • Main Level Full Bathrooms: 2
  • Lower Level Full Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Brick Front, Vinyl Siding
  • Exterior Features: Bump-Outs, Street Lights, Water Falls, Play Area
  • Road Surface Type: Black Top
  • Roof: Architectural Shingle
  • View: Garden/Lawn
  • Water Access Features: Boat - Powered, Limited Hours Of Personal Watercraft Operation (PWC), Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC), Private Access, Public Access, Sail, Swimming Allowed, Waterski/Wakeboard
  • Water Access: Yes
  • Water Body Name: Chesapeake Bay and South River
  • Water Body Type: River
  • Waterfront: No
  • Water Oriented: Yes
  • Pool: Yes - Community
  • Tidal Water: No
  • Water View: No

Garage/Parking

  • Garage: No
  • Parking Features: Paved Driveway
  • Type Of Parking: Driveway, Off Street

Utilities

  • Refuse: 298.00
  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C, Programmable Thermostat
  • Electric Service: 200+ Amp Service
  • Heating Fuel: Electric
  • Heating Type: Forced Air, Programmable Thermostat
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Public Sewer
  • Utilities: Under Ground
  • Water Source: Well
  • Internet Services: Fiber Optic

Condo/Co-op/Association

  • HOA Fees: 25.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA Condo Co-Op Amenities: Pool Mem Avail, Pier/Dock, Beach, Common Grounds, Picnic Area, Security, Tot Lots/Playground, Water/Lake Privileges, Boat Dock/Slip, Boat Ramp, Mooring Area, Pool - Outdoor, Volleyball Courts
  • HOA Condo Co-Op Fee Includes: Common Area Maintenance
  • HOA Name: HSIA
  • HOA: Yes
  • Senior Community: No
  • Association Recreation Fee: No
  • Community Pool Features: In Ground

Schools

  • Elementary School Source: Listing Agent
  • Middle School Source: Listing Agent
  • School District Source: Listing Agent
  • Elementary School: HILLSMERE
  • High School: ANNAPOLIS
  • Middle Or Junior School: ANNAPOLIS

Lot Info

  • Additional Parcels: No
  • Lot Features: Level, Rear Yard, Cleared, Front Yard, Landscaping, Premium, Sideyard(s)
  • Lot Size Acres: 0.29
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 12562.00
  • Outdoor Living Structures: Deck(s), Porch(es), Screened, Patio(s), Enclosed
  • Property Condition: Excellent
  • Zoning: R2
  • In City Limits: No

Rental Info

  • Ground Rent Exists: No
  • Lease Considered: No
  • Pets: No Pet Restrictions
  • Pets Allowed: Yes
  • Vacation Rental: No
  • Property Manager: No

Tax Info

  • Tax Annual Amount: 1.00
  • Assessor Parcel Number: 020241203269710
  • Tax Lot: 5
  • Tax Year: 2025

MLS Schools

  • School District Name: ANNE ARUNDEL COUNTY PUBLIC SCHOOLS

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
Oct 1, 2021
Closed on
Nov 18, 2021
Sold by
Bought by
Seller's Agent
Wendy Oliver
Coldwell Banker Realty
Buyer's Agent
Jennifer Cabeza
Realty Plus Associates
List Price
$675,000
Sold Price
$645,000
Premium/Discount to List
-$30,000
-4.44%
Current Estimated Value
$811,695

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$166,695
Avg. Annual Appreciation
5.02%

Purchase Details

Closed on
Jan 31, 2001
Sold by
Bought by

Purchase Details

Closed on
Dec 4, 1997
Sold by
Bought by

Purchase Details

Closed on
May 20, 1988
Sold by
Bought by
Source: Public Records

Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Agents Specializing in Annapolis, MD

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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
$645,000 Guaranteed Trust Title Llc
$204,900 --
$5,000 --
$136,700 --
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 $150,000
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 Prior Sale
02/24/2026 02/24/26 Sold $800,000 0.0% $235 / Sq Ft
01/31/2026 01/31/26 Price Changed $800,000 +0.6% $235 / Sq Ft
01/24/2026 01/24/26 For Sale $795,000 +23.3% $234 / Sq Ft
11/24/2021 11/24/21 Sold $645,000 -4.4% $161 / Sq Ft View Prior Sale
10/01/2021 10/01/21 For Sale $675,000 -- $169 / 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
2025 $6,239 $600,733
2024 $6,239 $544,767 $0 $0
2023 $6,045 $488,800 $245,600 $243,200
2022 $5,671 $477,667 $0 $0
2020 $3,381 $455,400 $245,600 $209,800
2019 $6,534 $445,433 $0 $0
2018 $4,416 $435,467 $0 $0
2017 $3,105 $425,500 $0 $0
2016 -- $396,333 $0 $0
2015 -- $367,167 $0 $0
2014 -- $338,000 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDAA2133380

Bright MLS

APN: 02-412-03269710

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