Big 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.
Sold for $1,550,000 on 09/12/25
$1,550,000
3403 Niagara Rd, Annapolis, MD 21403
4beds
3,520sqft
Single Family Residence
Built in 2002
9,750 Square Feet Lot
$1,549,600 Zestimate®
$440/sqft
$5,631 Estimated rent
Home value
$1,549,600
$1.44M - $1.66M
$5,631/mo
Zestimate® history
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What's special
Zillow last checked: 8 hours ago
Listing updated: December 22, 2025 at 01:05pm
Listed by:
Heather Giovingo 443-254-1074,
Coldwell Banker Realty
Bought with:
Reid Buckley
Long & Foster Real Estate, Inc.
Source: Bright MLS,MLS#: MDAA2116290
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 2
- Main level bedrooms: 1
Basement
- Area: 1568
Heating
- Forced Air, Electric, Solar
Cooling
- Central Air, Electric, Solar Photovoltaic
Appliances
- Included: Solar Hot Water
Features
- Basement: Connecting Stairway,Partial,Garage Access
- Number of fireplaces: 1
- Fireplace features: Glass Doors
Interior area
- Total structure area: 5,088
- Total interior livable area: 3,520 sqft
- Finished area above ground: 3,520
- Finished area below ground: 0
Property
Parking
- Total spaces: 9
- Parking features: Storage, Garage Faces Front, Oversized, Attached, Driveway, Off Street
- Attached garage spaces: 4
- Uncovered spaces: 4
Accessibility
- Accessibility features: 2+ Access Exits
Features
- Levels: Three
- Stories: 3
- Pool features: None
- Fencing: Full
- Has view: Yes
- View description: Creek/Stream, Water
- Has water view: Yes
- Water view: Creek/Stream,Water
- Waterfront features: Boat/Launch Ramp - Private, Boat/Launch Ramp - Public, Private Dock Site, Shared, Sandy Beach, Creek/Stream, Boat - Powered, Canoe/Kayak, Fishing Allowed, Private Access, Public Access, Beach Access, Swimming Allowed
- Body of water: Fishing Creek
- Frontage length: Water Frontage Ft: 350
Lot
- Size: 9,750 sqft
Details
- Additional structures: Above Grade, Below Grade
- Additional parcels included: Transfer of home includes membership into 3400 Niagara LLC that owns the approximately 350 ft of waterfront and the pier
- Parcel number: 020200290058749
- Zoning: R2
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Coastal,Contemporary
- Property subtype: Single Family Residence
Materials
- Mixed
- Foundation: Slab
- Roof: Architectural Shingle
Condition
- New construction: No
- Year built: 2002
Utilities & green energy
- Sewer: Public Sewer
- Water: Private
Green energy
- Energy efficient items: Home Energy Management
- Energy generation: PV Solar Array(s) Owned
Community & neighborhood
Location
- Region: Annapolis
- Subdivision: Arundel On The Bay
Other
Other facts
- Listing agreement: Exclusive Right To Sell
- Ownership: Fee Simple
Price history
| Date | Event | Price |
|---|---|---|
| 9/12/2025 | Sold | $1,550,000-3.1%$440/sqft |
Source:  Bright MLS #MDAA2116290 Report a problem | ||
| 9/9/2025 | Pending sale | $1,600,000$455/sqft |
Source: Bright MLS #MDAA2116290 Report a problem | ||
| 8/3/2025 | Contingent | $1,600,000$455/sqft |
Source: Bright MLS #MDAA2116290 Report a problem | ||
| 7/16/2025 | Price change | $1,600,000-5.9%$455/sqft |
Source: Bright MLS #MDAA2116290 Report a problem | ||
| 6/12/2025 | Listed for sale | $1,700,000+112.5%$483/sqft |
Source: Bright MLS #MDAA2116290 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | -- | $1,016,733 +10.2% |
| 2024 | $10,102 +11.7% | $922,567 +11.4% |
| 2023 | $9,046 +5.6% | $828,400 +1.1% |
Find assessor info on the county website
Neighborhood: 21403
Nearby schools
GreatSchools rating
- 9/10Hillsmere Elementary SchoolGrades: PK-5Distance: 1.6 mi
- 4/10Annapolis Middle SchoolGrades: 6-8Distance: 3.3 mi
- 5/10Annapolis High SchoolGrades: 9-12Distance: 6.3 mi
Schools provided by the listing agent
- Elementary: Hillsmere
- Middle: Annapolis
- 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.
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$1,549,600
2% more+ $30,992
With Zillow Showcase(estimated)
$1,580,592