Tucked along the protected waters of Ramsgate Harbor with direct access through the canal to the South River and the Chesapeake Bay beyond, this exceptional waterfront retreat captures the essence of relaxed coastal living. Set on beautifully landscaped grounds with approximately 100 feet of waterfrontage, the property is designed to embrace the outdoors at every turn, from the heated saltwater pool and expansive waterside entertaining areas to the private pier ready for boating adventures and sunset cruises. The main level is thoughtfully arranged for both everyday comfort and effortless entertaining. A well-appointed galley kitchen with high-end appliances flows seamlessly into the adjacent family room with fireplace, while the expansive living and dining areas open directly to the covered waterside deck, creating a seamless indoor-outdoor connection overlooking the pool and tranquil harbor views. Whether hosting summer gatherings or enjoying a quiet morning coffee with the breeze off the water, the setting is both inviting and unforgettable. The upper level offers four bedrooms and two full baths, including a spacious waterfront primary suite with vaulted ceilings, a beautifully appointed ensuite bath, and calming water views that create a true private retreat. The walkout lower level adds exceptional flexibility with two additional bedrooms, a full bath, laundry room, and a recreation room with doors leading directly to the covered patio and pool area. A cozy fireplace beneath the covered patio creates the perfect year-round gathering space after a day on the boat or evenings spent poolside. Completing the property is a three-car garage, circular driveway, and lush mature landscaping that enhances the privacy and natural beauty of this waterfront setting. The amenities-rich Watergate community offers a marina, pavilion, and playground just moments away, adding to the exceptional lifestyle this property provides. Ideally situated off of the South River allowing for quick cruises to waterfront destinations like Mike’s Crab House, Historic Annapolis Harbor, the Chesapeake Bay, and countless waterfront restaurants and destinations beyond. Welcome Home!
For sale
$1,950,000
3706 Thomas Point Rd, Annapolis, MD 21403
6beds
3,211sqft
Est.:
Single Family Residence
Built in 1986
0.7 Acres Lot
$1,887,100 Zestimate®
$607/sqft
$50/mo HOA
What's special
Heated saltwater poolCovered waterside deckCircular drivewayCalming water viewsFamily room with fireplaceBeautifully landscaped groundsExpansive waterside entertaining areas
- 18 hours |
- 294 |
- 21 |
Zillow last checked:
Listing updated:
Listed by:
Brad Kappel 410-279-9476,
TTR Sotheby's International Realty (410) 280-5600,
Listing Team: Brad Kappel Team
Source: Bright MLS,MLS#: MDAA2145168
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 6
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Basement
- Area: 930
Heating
- Forced Air, Heat Pump, Programmable Thermostat, Zoned, Electric
Cooling
- Ceiling Fan(s), Central Air, Programmable Thermostat, Zoned, Electric
Appliances
- Included: Microwave, Dishwasher, Disposal, Dryer, Exhaust Fan, Double Oven, Oven/Range - Gas, Range Hood, Refrigerator, Six Burner Stove, Stainless Steel Appliance(s), Washer, Water Conditioner - Owned, Water Heater, Water Treat System, Electric Water Heater
- Laundry: Lower Level
Features
- Bathroom - Walk-In Shower, Bathroom - Tub Shower, Breakfast Area, Built-in Features, Ceiling Fan(s), Combination Dining/Living, Combination Kitchen/Living, Crown Molding, Dining Area, Family Room Off Kitchen, Open Floorplan, Kitchen - Galley, Kitchen - Gourmet, Primary Bath(s), Recessed Lighting, Upgraded Countertops, Walk-In Closet(s)
- Flooring: Hardwood, Ceramic Tile, Wood
- Windows: Window Treatments
- Basement: Connecting Stairway,Full,Finished,Heated,Improved,Interior Entry,Exterior Entry,Rear Entrance,Walk-Out Access,Windows
- Number of fireplaces: 2
- Fireplace features: Glass Doors, Stone, Mantel(s), Wood Burning
Interior area
- Total structure area: 3,211
- Total interior livable area: 3,211 sqft
- Finished area above ground: 2,281
- Finished area below ground: 930
Video & virtual tour
Property
Parking
- Total spaces: 9
- Parking features: Storage, Garage Faces Front, Garage Door Opener, Oversized, Circular Driveway, Attached, Driveway
- Attached garage spaces: 3
- Uncovered spaces: 6
Accessibility
- Accessibility features: None
Features
- Levels: Three
- Stories: 3
- Patio & porch: Enclosed, Deck, Patio
- Exterior features: Extensive Hardscape, Lighting
- Has private pool: Yes
- Pool features: In Ground, Heated, Salt Water, Private
- Has view: Yes
- View description: Canal, Garden, Creek/Stream, Scenic Vista, Water
- Has water view: Yes
- Water view: Canal,Creek/Stream,Water
- Waterfront features: Private Dock Site, Rip-Rap, Boat - Powered, Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC), Private Access, Waterski/Wakeboard, Canal
- Body of water: Ramsgate Harbor
- Frontage length: Water Frontage Ft: 100
Lot
- Size: 0.7 Acres
- Features: Front Yard, Landscaped, Poolside, Premium, Rear Yard, Rip-Rapped
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 020290912147810
- Zoning: R2
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Coastal,Transitional
- Property subtype: Single Family Residence
Materials
- Combination
- Foundation: Other
Condition
- New construction: No
- Year built: 1986
Details
- Builder model: Waterfront Home with Pool
Utilities & green energy
- Sewer: Public Sewer
- Water: Well
- Utilities for property: Fiber Optic
Community & HOA
Community
- Security: Carbon Monoxide Detector(s), Smoke Detector(s)
- Subdivision: Watergate
HOA
- Has HOA: Yes
- HOA fee: $600 annually
- HOA name: WATERGATE IMPROVEMENT ASSOCIATION LLC
Location
- Region: Annapolis
Financial & listing details
- Price per square foot: $607/sqft
- Tax assessed value: $1,399,700
- Annual tax amount: $13,816
- Date on market: 5/19/2026
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,VA Loan
- Inclusions: See Documents For Inclusions / Exclusions
- Ownership: Fee Simple
Estimated market value
$1,887,100
$1.79M - $1.98M
$6,289/mo
Price history
| Date | Event | Price |
|---|---|---|
| 5/19/2026 | Listed for sale | $1,950,000-31.6%$607/sqft |
Source:  Bright MLS #MDAA2145168 Report a problem | ||
| 7/3/2021 | Listing removed | -- |
Source: Owner Report a problem | ||
| 6/27/2021 | Listed for sale | $2,850,000+143%$888/sqft |
Source: Owner Report a problem | ||
| 7/20/2012 | Listing removed | $1,173,000$365/sqft |
Source: Champion Realty #AA7717276 Report a problem | ||
| 5/19/2012 | Price change | $1,173,000-1.8%$365/sqft |
Source: Champion Realty #AA7717276 Report a problem | ||
| 3/20/2012 | Price change | $1,195,000-2.4%$372/sqft |
Source: Champion Realty #AA7717276 Report a problem | ||
| 1/18/2012 | Price change | $1,225,000-5%$382/sqft |
Source: Champion Realty #AA7717276 Report a problem | ||
| 10/29/2011 | Listed for sale | $1,290,000+41%$402/sqft |
Source: Champion Realty #AA7717276 Report a problem | ||
| 1/8/2007 | Sold | $915,000+2.2%$285/sqft |
Source: Public Record Report a problem | ||
| 8/31/2004 | Sold | $895,000+193.4%$279/sqft |
Source: Public Record Report a problem | ||
| 5/6/1997 | Sold | $305,000$95/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $10,770 -7.2% | $1,229,600 +16.1% |
| 2024 | $11,602 +19.5% | $1,059,500 +19.1% |
| 2023 | $9,712 +4.6% | $889,400 +0.1% |
| 2022 | $9,287 +0.1% | $888,700 +0.1% |
| 2021 | $9,280 0% | $888,000 +0.1% |
| 2020 | $9,281 +1% | $887,300 |
| 2019 | $9,192 +4.4% | $887,300 +2.1% |
| 2018 | $8,808 +0.6% | $868,633 +1.1% |
| 2017 | $8,759 | $859,300 +1.5% |
| 2016 | -- | $846,933 +1.5% |
| 2015 | -- | $834,567 +1.5% |
| 2014 | -- | $822,200 |
| 2013 | -- | $822,200 |
| 2012 | -- | $822,200 -20.3% |
| 2011 | -- | $1,031,310 |
| 2010 | -- | $1,031,310 |
| 2009 | -- | $1,031,310 -6.8% |
| 2008 | -- | $1,107,000 +8.3% |
| 2007 | -- | $1,022,556 +9% |
| 2006 | -- | $938,113 +9.9% |
| 2005 | -- | $853,670 +20.5% |
| 2004 | -- | $708,670 +25.7% |
| 2003 | -- | $563,670 +34.6% |
| 2002 | -- | $418,670 +2.7% |
| 2001 | -- | $407,672 |
Find assessor info on the county website
Monthly payment
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HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: 21403
Nearby schools
GreatSchools rating
- 9/10Hillsmere Elementary SchoolGrades: PK-5Distance: 1.8 mi
- 4/10Annapolis Middle SchoolGrades: 6-8Distance: 3.5 mi
- 5/10Annapolis High SchoolGrades: 9-12Distance: 6.3 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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A local lender can help you make sure your offer is ready when you are.
- Maryland
- Anne Arundel County
- Annapolis
- 21403
- 3706 Thomas Point Rd
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