You know that it’s a rare occurrence when something becomes available in Bay Ridge, just south of Annapolis, but how about a new offering of this cute little cozy cottage on a private lot for under $700,000? Even the most discerning Annapolitan wouldn’t scoff at this lovingly cared for home that sits on an extraordinarily pretty lot just a couple blocks from all the magical wonders of the glorious Chesapeake Bay. Less than 15 minutes away from the City Dock or a quick sail to The Eastern Shore, you’ll have the privacy of this highly desirable established community yet all the conveniences that Annapolis has to offer. The Naval Academy to The Annapolis Town Center. Step inside this traditionally appointed home and you find large rooms and all that classic old world detail throughout. There’s an attic for extra storage, a detached garage, a basement and a giant living room plus an enclosed sunporch out back overlooking a tree studded rear yard. On top of that? And endless supply of tranquility and serenity were you can peacefully stroll through the neighborhood and take in the panoramic views of The Chesapeake Bay Bridge. There’s so much to love here. I would suggest an immediate visit with a pen in hand because these are rare opportunities in this highly desirable community and as they say: "This one won't last...."
Under contract
$699,900
12 Decatur Ave, Annapolis, MD 21403
2beds
1,068sqft
Est.:
Single Family Residence
Built in 1950
9,250 Square Feet Lot
$705,600 Zestimate®
$655/sqft
$-- HOA
What's special
Cute little cozy cottageTree studded rear yardPrivate lotDetached garageLarge roomsAttic for extra storageExtraordinarily pretty lot
- 56 days |
- 77 |
- 1 |
Zillow last checked: 8 hours ago
Listing updated: January 13, 2026 at 08:44am
Listed by:
Jack Leary 443-463-9088,
Cummings & Co. Realtors (410) 823-0033,
Co-Listing Agent: Rachel D Kohel 410-491-6111,
Cummings & Co. Realtors
Source: Bright MLS,MLS#: MDAA2131214
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 2
Rooms
- Room types: Living Room, Dining Room, Bedroom 2, Kitchen, Basement, Bedroom 1, Sun/Florida Room, Bathroom 1
Bedroom 1
- Features: Flooring - Carpet
- Level: Main
Bedroom 2
- Features: Flooring - Carpet
- Level: Main
Bathroom 1
- Level: Main
Basement
- Level: Lower
Dining room
- Features: Flooring - Carpet
- Level: Main
Kitchen
- Features: Flooring - Vinyl
- Level: Main
Living room
- Features: Flooring - Carpet, Ceiling Fan(s)
- Level: Main
Other
- Level: Main
Heating
- Baseboard, Hot Water, Radiant, Radiator, Electric, Oil
Cooling
- Ceiling Fan(s), Electric
Appliances
- Included: Oven, Refrigerator, Cooktop, Water Heater, Electric Water Heater
Features
- Attic, Bathroom - Tub Shower, Breakfast Area, Ceiling Fan(s), Dining Area, Flat, Open Floorplan, Floor Plan - Traditional, Kitchen - Country, Dry Wall, Block Walls, Plaster Walls, Paneled Walls
- Flooring: Concrete, Carpet, Ceramic Tile, Hardwood, Laminate, Wood
- Doors: French Doors, Insulated
- Windows: Double Hung, Double Pane Windows, Insulated Windows, Replacement, Screens, Vinyl Clad, Wood Frames
- Has basement: No
- Number of fireplaces: 1
Interior area
- Total structure area: 1,068
- Total interior livable area: 1,068 sqft
- Finished area above ground: 1,068
- Finished area below ground: 0
Property
Parking
- Total spaces: 4
- Parking features: Garage Faces Front, Covered, Crushed Stone, Driveway, Private, Public, Secured, Surface, Unpaved, On Street, Off Street, Detached
- Garage spaces: 1
- Uncovered spaces: 3
Accessibility
- Accessibility features: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Enclosed, Porch, Screened
- Exterior features: Lighting, Play Area, Storage
- Pool features: None
- Has view: Yes
- View description: Bay, Street, Trees/Woods, Water
- Has water view: Yes
- Water view: Bay,Water
- Waterfront features: Bayside
- Frontage type: Road Frontage
Lot
- Size: 9,250 Square Feet
- Features: Backs to Trees, Front Yard, Level, Private, Rear Yard, Secluded, SideYard(s), Wooded
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 020204708041200
- Zoning: R2
- Zoning description: Residential.
- Special conditions: Short Sale
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subtype: Single Family Residence
Materials
- Asphalt, Block, Cast Iron Plumbing, Combination, Composition, Concrete, Copper Plumbing, Galvanized Plumbing, Glass, Masonite, Masonry, Mixed, Mixed Plumbing, Stick Built, Wood Siding
- Foundation: Block, Concrete Perimeter, Crawl Space, Slab
- Roof: Unknown,Asphalt,Composition,Pitched,Shingle,Hip
Condition
- Good
- New construction: No
- Year built: 1950
Utilities & green energy
- Electric: 220 Volts, Circuit Breakers
- Sewer: Public Sewer
- Water: Private
Community & HOA
Community
- Security: Main Entrance Lock
- Subdivision: Bay Ridge
HOA
- Has HOA: No
Location
- Region: Annapolis
Financial & listing details
- Price per square foot: $655/sqft
- Tax assessed value: $825,533
- Annual tax amount: $9,416
- Date on market: 11/22/2025
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,FHA 203(k),Negotiable,Private Financing Available
- Ownership: Fee Simple
- Road surface type: Approved, Black Top, Paved
Estimated market value
$705,600
$670,000 - $741,000
$3,010/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 11/28/2025 | Contingent | $699,900$655/sqft |
Source:  Bright MLS #MDAA2131214 Report a problem | ||
| 11/22/2025 | Listed for sale | $699,900$655/sqft |
Source: Bright MLS #MDAA2131214 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | -- | $825,533 +8.7% |
| 2024 | $8,319 +9.8% | $759,767 +9.5% |
| 2023 | $7,578 +11.9% | $694,000 +7.1% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$4,076/mo
Principal & interest
$3335
Property taxes
$496
Home insurance
$245
Climate risks
Neighborhood: 21403
Nearby schools
GreatSchools rating
- 4/10Georgetown East Elementary SchoolGrades: PK-5Distance: 2.1 mi
- 4/10Annapolis Middle SchoolGrades: 6-8Distance: 3.3 mi
- 5/10Annapolis High SchoolGrades: 9-12Distance: 6.5 mi
Schools provided by the listing agent
- District: Anne Arundel County Public Schools
Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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