Experience the best of waterfront living with easy water access to historic Annapolis, Eastport, and the Chesapeake Bay. Perfectly sited in a protected area on Spa Creek, this eco-friendly contemporary home was designed by architect Gary S. Schwerzler of Fourth Street Design Studio and built by Blueford Contracting. Set on a quarter of an acre and surrounded by lush native landscaping, the property features three east-facing decks, a private pier with water and electric, two boat slips (16' x 40' and 10' x 20'), and a dual kayak dock. Mean low water is over six feet in the larger slip and five feet in the smaller. A piling permit is secured for the narrower slip. Designed to maximize natural light and views of water, woodlands and wildlife, the home showcases exceptional craftsmanship throughout. A welcoming front porch leads to an oversized walnut entry door and spacious foyer. The main level includes a bedroom with en-suite bath, a home office with built-ins, open-concept living and dining areas, and a modern kitchen with high-end appliances, Corian and granite counters, and a walk-in pantry. Upstairs are two additional en-suite bedrooms, laundry, and a storage room. The waterside primary suite offers its own private deck and a generous walk-in closet. The home has numerous high-end finishes including Hubbardton Forge lighting, heated bathroom floors, extensive custom built-ins, solid-core pocket doors, Brazilian teak floors, and custom interior railings fabricated by M Yacht Services. The walk-out lower level, original to the 1940s cottage, provides ample storage for boating equipment, a workshop, a second laundry, and a flexible finished space ideal for a gym or recreation room. It opens to a patio, a rustic summer kitchen, a half bath, and an inviting outdoor entertaining area—perfect for gatherings and classic Maryland crab feasts. Constructed for visual appeal, durability, and efficiency, the home features IPE decking, Nichiha fiber cement siding, AZEK trim, Marvin windows and doors, geothermal HVAC, tankless hot water, a Honda generator, and a propane fire pit. Ample parking for four vehicles in front. Enjoy the best of both worlds - being on the water, surrounded by nature and wildlife - while also having footpath and water access to parklands and town.
Pending
$2,350,000
198 Acton Rd, Annapolis, MD 21403
3beds
3,550sqft
Est.:
Single Family Residence
Built in 1940
0.26 Acres Lot
$2,351,000 Zestimate®
$662/sqft
$-- HOA
What's special
- 35 days |
- 349 |
- 10 |
Zillow last checked:
Listing updated:
Listed by:
Sarah Greenlee Morse 410-303-1522,
TTR Sotheby's International Realty (410) 280-5600
Source: Bright MLS,MLS#: MDAA2136766
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Rooms
- Room types: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Kitchen, Foyer, Laundry, Office, Recreation Room, Storage Room, Workshop, Bathroom 3, Primary Bathroom, Full Bath, Half Bath
Primary bedroom
- Level: Upper
Bedroom 2
- Level: Upper
Bedroom 3
- Level: Main
Primary bathroom
- Level: Upper
Bathroom 3
- Level: Main
Dining room
- Level: Main
Foyer
- Level: Main
Foyer
- Level: Lower
Other
- Level: Upper
Half bath
- Level: Lower
Kitchen
- Level: Main
Kitchen
- Level: Lower
Laundry
- Level: Lower
Laundry
- Level: Upper
Living room
- Level: Main
Office
- Level: Main
Recreation room
- Level: Lower
Storage room
- Level: Lower
Storage room
- Level: Lower
Storage room
- Level: Upper
Workshop
- Level: Lower
Heating
- Heat Pump, Geothermal
Cooling
- Central Air, Geothermal
Appliances
- Included: Tankless Water Heater
- Laundry: Upper Level, In Basement, Laundry Room
Features
- Flooring: Hardwood
- Basement: Partially Finished,Exterior Entry,Interior Entry
- Has fireplace: No
Interior area
- Total structure area: 3,948
- Total interior livable area: 3,550 sqft
- Finished area above ground: 2,658
- Finished area below ground: 892
Video & virtual tour
Property
Parking
- Total spaces: 4
- Parking features: Driveway
- Uncovered spaces: 4
Accessibility
- Accessibility features: None
Features
- Levels: Three
- Stories: 3
- Exterior features: Extensive Hardscape, Lighting, Underground Lawn Sprinkler
- Pool features: None
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Private Dock Site, Creek/Stream, Private Access, Sail, Canoe/Kayak, Boat - Powered
- Body of water: Spa Creek
- Frontage length: Water Frontage Ft: 50
Lot
- Size: 0.26 Acres
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 020682905188700
- Zoning: RESIDENTIAL
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Coastal
- Property subtype: Single Family Residence
Materials
- HardiPlank Type
- Foundation: Block
Condition
- Excellent
- New construction: No
- Year built: 1940
- Major remodel year: 2011
Details
- Builder name: Blueford Contracting
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & HOA
Community
- Subdivision: Truxton Heights
HOA
- Has HOA: No
Location
- Region: Annapolis
- Municipality: Annapolis
Financial & listing details
- Price per square foot: $662/sqft
- Tax assessed value: $954,000
- Annual tax amount: $13,472
- Date on market: 4/2/2026
- Listing agreement: Exclusive Right To Sell
- Ownership: Fee Simple
Estimated market value
$2,351,000
$2.23M - $2.47M
$4,943/mo
Price history
| Date | Event | Price |
|---|---|---|
| 4/15/2026 | Pending sale | $2,350,000$662/sqft |
Source:  Bright MLS #MDAA2136766 Report a problem | ||
| 4/8/2026 | Contingent | $2,350,000$662/sqft |
Source: Bright MLS #MDAA2136766 Report a problem | ||
| 4/3/2026 | Listed for sale | $2,350,000+754.5%$662/sqft |
Source: Bright MLS #MDAA2136766 Report a problem | ||
| 3/27/1998 | Sold | $275,000$77/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $11,095 -16.7% | $940,200 +1.5% |
| 2024 | $13,312 +1.6% | $926,400 +1.5% |
| 2023 | $13,105 +11.9% | $912,600 +9.8% |
| 2022 | $11,711 +10.9% | $831,133 +10.9% |
| 2021 | $10,563 +12.1% | $749,667 +12.2% |
| 2020 | $9,422 +2.3% | $668,200 |
| 2019 | $9,207 +3.9% | $668,200 +4.9% |
| 2018 | $8,859 +9.3% | $636,867 +2.5% |
| 2017 | $8,107 | $621,200 +0.2% |
| 2016 | -- | $619,733 +0.2% |
| 2015 | -- | $618,267 +0.2% |
| 2014 | -- | $616,800 |
| 2013 | -- | $616,800 |
| 2012 | -- | $616,800 -36.9% |
| 2011 | -- | $976,980 |
| 2010 | -- | $976,980 -24.5% |
| 2009 | -- | $1,294,210 +0% |
| 2008 | -- | $1,293,900 +24.1% |
| 2007 | -- | $1,042,946 +31.7% |
| 2006 | -- | $791,993 +46.4% |
| 2005 | -- | $541,040 +14.3% |
| 2004 | -- | $473,196 +16.7% |
| 2003 | -- | $405,353 +20.1% |
| 2002 | -- | $337,510 |
| 2001 | -- | $337,510 |
Find assessor info on the county website
Monthly payment
Est. payment
$13,784/mo
Principal & interest
$12119
Property taxes
$1665
More affordability tools
Climate risks
Neighborhood: 21403
Nearby schools
GreatSchools rating
- 7/10Germantown Elementary SchoolGrades: PK-5Distance: 1.1 mi
- 5/10Wiley H. Bates Middle SchoolGrades: 6-8Distance: 0.3 mi
- 5/10Annapolis High SchoolGrades: 9-12Distance: 3.3 mi
Schools provided by the listing agent
- High: Annapolis
- 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.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Maryland
- Anne Arundel County
- Annapolis
- 21403
- 198 Acton Rd
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