Last Sold Price
4 beds3,520 sqft$440/sqft
3403 Niagara Rd, Annapolis, MD 21403

Description

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...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.
LISTING CLOSED: 09/12/2025 12:00 AM

Listing Agent

  1. Heather Giovingo

    Heather Giovingo

    Listing Agent

    Coldwell Banker Realty

    P: (443) 254-1074

Property Details for 3403 Niagara Road

Status
MLS #
MDAA2116290
Days on Market
53
Taxes
$10,482 / year
HOA Fees
-
Condo/Co-op Fees
-
Property Type
MLS Type
Residential / Fee Simple
Year Built
2002
Lot Size
0.22 AC / 9,750 SF
Tax ID Number
020200290058749
Ownership
Fee Simple
Condo Coop Association
No
HOA
No
Structure Type
Detached
Style
Coastal, Contemporary
Levels/Stories
3
Waterfront
Yes
Waterfront Features
Boat/Launch Ramp - Private, Boat/Launch Ramp - Public, Private Dock Site, Shared, Sandy Beach
Views
Creek/Stream, Water
Garage
Yes
Expected On Market Date
06-12-2025
Subdivision
ARUNDEL ON THE BAY
Subdivision
ARUNDEL ON THE BAY (ANNE ARUNDEL MD)
Legal Subdivision
ARUNDEL ON THE BAY
Total Parking Spaces
9
Central Air
Yes
Basement
Yes
Above Grade Finished SQFT
3,520.00
Above Grade Fin SQFT Source
Assessor
Below Grade Finished SQFT
.00
Below Grade Fin SQFT Source
Assessor
Below Grade Unfinished SQFT
1,568.00
Below Grade Unfin SQFT Source
Assessor
Total Below Grade SQFT
1,568.00
Total Below Grade SQFT Source
Assessor
New Construction
No

Recent comparable sales

Median sold price

$1,300,000

Avg days on market

42

Sale-to-list ratio

96.2%

Annapolis, MD

9 comparable properties found

$1,176,206 | 3123 Arundel On The Bay Road, Annapolis, MD 21403
1/8
1

$1,176,206

Sold 05/15/26

4
Bedrooms
3,280
Square Feet
0.97
Acres
aerial view of a house with a yard and large tree
1/82
2

$1,300,000

Sold 03/30/26

4
Bedrooms
2,875
Square Feet
0.14
Acres
$1,295,000 | 3126 Port Way, Annapolis, MD 21403
1/51
3

$1,295,000

Sold 11/18/25

4
Bedrooms
3,200
Square Feet
0.41
Acres
a view of a lake with chairs
1/65
4

$1,250,000

Sold 09/29/25

4
Bedrooms
3,250
Square Feet
0.35
Acres
$1,625,000 | 35 Decatur Avenue, Annapolis, MD 21403
1/68
5

$1,625,000

Sold 07/24/26

4
Bedrooms
3,145
Square Feet
0.27
Acres
$1,425,000 | 718 Springdale Avenue, Annapolis, MD 21403
1/56
6

$1,425,000

Sold 07/15/25

4
Bedrooms
3,954
Square Feet
0.22
Acres
$1,735,000 | 18 Bancroft Avenue, Annapolis, MD 21403
1/82
7

$1,735,000

Sold 08/06/25

4
Bedrooms
2,718
Square Feet
0.34
Acres
a living room with furniture fireplace and flat screen tv
1/41
8

$1,735,000

Sold 07/18/25

4
Bedrooms
2,496
Square Feet
0.43
Acres
a front view of a house with a yard table and chairs
1/119
9

$925,000

Sold 01/09/26

4
Bedrooms
3,142
Square Feet
0.32
Acres

Location

Listing Courtesy of Coldwell Banker Realty

Sold By Long & Foster Real Estate, Inc.

Add your commute

Building Information for 3403 Niagara Road

Stories3Year Built2002Building Size-Lot Size0.22 AC / 9,750 SF

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$8,752 per month

30 year fixed, 6.55% Interest

Principal and Interest

$7,878

Property Taxes

$874

HOA Dues

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Property Information for 3403 Niagara Road

Location
Location
  • In City Limits: No
  • School District Name: ANNE ARUNDEL COUNTY PUBLIC SCHOOLS
  • School District County ID: 121140671932
  • SchoolDistrictSource: 3rd Party
  • Elementary School: HILLSMERE (ANNE ARUNDEL MD)
  • ElementarySchoolSource: 3rd Party
  • Middle Or Junior School: ANNAPOLIS (ANNE ARUNDEL MD)
  • MiddleSchoolSource: 3rd Party
  • High School: ANNAPOLIS (ANNE ARUNDEL MD)
  • HighSchoolSource: 3rd Party
  • County: ANNE ARUNDEL
Waterfront / Water Access
Waterfront / Water Access
  • Water View: Yes
  • Water Access: Yes
  • Water Access Features: Boat - Powered, Canoe/Kayak, Fishing Allowed, Private Access, Public Access, Public Beach, Swimming Allowed
  • Water Oriented: Yes
  • Navigable Water: Yes
  • Water Body Name: FISHING CREEK
  • Water Body Type: Creek
  • Water Frontage In Feet: 350.0
  • Riparian Rights Y/N: No
  • Docks Count: 1
  • Dock Type and Features: Material - Treated Lumber, Hoist/Lift Electric
  • Dock/Slip Conveys Y/N: true
  • Dock/Slip Conveyance: Assigned
  • Slips Count: 5+
  • Mean Low Water Feet: 4.00
  • Distance To Body Of Water: .00
  • Distance To Body Of Water Units: Feet
Association / Community Info
Association / Community Info
  • Senior Community: No
Taxes and Assessment
Taxes and Assessment
  • Tax Year: 2024
  • Tax Assessed Value: $1,016,733
  • Year Assessed: 2025
  • County Tax: $10,102
  • Improvement Assessed Value: $697,700
  • Land Assessed Value: $413,200
  • Clean Green Assessed: No
  • Land Use Code: R
  • Zoning: R2
  • Tax Lot: FR
  • School Tax: $0
  • Automatically Update Tax Values Y/N: Yes
Lease Information
Lease Information
  • Pets Allowed: Yes
  • Pet Restrictions: No Pet Restrictions
Rooms
Main
  • # Bedrooms Count Main Level: 1
  • # Bathrooms Count Main Level: 2
  • # Bathrooms Full Main Level: 1
  • # Bathrooms Half Main Level: 1
All Upper Levels
  • # Bedrooms Count All Upper Levels: 3
  • # Bathrooms Count All Upper Levels: 2
  • # Bathrooms Full All Upper Levels: 2
Upper Level 1
  • # Bedrooms Count Upper Level: 3
  • # Bathrooms Count Upper Level: 2
  • # Bathrooms Full Upper Level: 2
Rooms
  • Stories: Main, Upper 1
Building Info
Green Info
  • Green Energy Efficient: Home Energy Management
  • Green Energy Generation: PV Solar Array(s) Owned
Building Info
  • Total Finished SQFT: 3,520.00
  • Total Finished SQFT Source: Assessor
  • Tax Total Finished SQFT: 3,520.00
  • Total SQFT: 5,088.00
  • Total SQFT Source: Assessor
  • Construction Materials: Mixed
  • Roof: Architectural Shingle
  • Basement Type: Connecting Stairway, Daylight, Partial, Garage Access
  • Foundation Details: Slab
  • Room and Floor: Bedrooms-Main Level-1, Bathrooms Full-Main Level-1, Bathrooms Half-Main Level-1, Bedrooms-Upper Level 1-1, Bedrooms-Upper Level 1-2, Bedrooms-Upper Level 1-3, Bathrooms Full-Upper Level 1-1, Bathrooms Full-Upper Level 1-2
  • # Bathrooms Full: 3
  • # Bathrooms Half: 1
  • Other Structure: Above Grade, Below Grade
Lot / Land Information
Lot / Land Information
  • Lot Size Source: Assessor
  • Fencing: Fully
  • Location Type: Creek/Stream
  • Parcel ID: 15169637
  • Addl Parcels Descrp: Transfer of home includes membership into 3400 Niagara LLC that owns the approximately 350 ft of waterfront and the pier
Parking
Parking
  • Type Of Parking: Attached Garage, Driveway, Off Street
  • Num of Attached Garage Spaces: 4
  • Driveway - # of Spaces: 4
  • Total Garage Spaces: 4
  • Off Street - # of Spaces: 1
  • Garage Features: Additional Storage Area, Garage - Front Entry, Oversized
Interior Features
Interior Features
  • Fireplace: Yes
  • Fireplaces Count: 1
  • Fireplace Features: Fireplace - Glass Doors
  • Accessibility Features: 2+ Access Exits
Exterior Features
Exterior Features
  • Pool: No Pool
Utilities
Utilities
  • Heating: Yes
  • Cooling Type: Central A/C
  • Cooling Fuel: Electric, Solar Photovoltaic
  • Heating Type: Forced Air
  • Heating Fuel: Electric, Solar
  • Hot Water: Solar
  • Water Source: Private
  • Sewer Septic: Public Sewer
Confidential Data
Listing Office
  • List Agent AOR: Anne Arundel County Association of REALTORS
  • List Agent URL: www.academyrealty.com

Property History for 3403 Niagara Road

DateEvent & SourcePriceAppreciation
Sep 12, 2025

Closed (Public Record)

Public Record #1913908352

$1,550,000

+5.1% / yr

Sep 12, 2025

Closed

BRIGHT #MDAA2116290

$1,550,000
Aug 3, 2025

Pending

BRIGHT #MDAA2116290

DateEvent & SourcePrice
09/12/2025

Closed (Public Record)

Public Record #1913908352

$1,550,000

+5.1% / yr

09/12/2025

Closed

BRIGHT #MDAA2116290

$1,550,000
08/03/2025

Pending

BRIGHT #MDAA2116290

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 3403 Niagara Road

Taxable ValueLand-Additions-Total-
Tax Record2025$11,542 ($962 / month)
Home Facts
Beds0Baths3.5Total Finished SqFt3,520 SqFtAbove Grade Finished SqFt3,520 SqFtStories2Lot Size9,750 SqFtStyleSingle Family ResidenceYear Built2002ZoningR2CountyANNE ARUNDELAPN02-002-90058749Fireplace TypeHas Fireplace

Schools near 3403 Niagara Road

This home is within Anne Arundel County Public Schools.
Rating
School
Type
Grades
Distance
Public - PK to 5
Public - 6 to 8
Public - 9 to 12
Public - K to 12
Rating
School
Distance
Hillsmere Elementary School
PublicPK to 5

Annapolis Middle School
Public6 to 8

Annapolis High School
Public9 to 12

Mary Moss at Adams Academy
PublicK to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Coldwell Banker Realty

© 2026 Bright MLS. All rights reserved. All information is deemed reliable, but accuracy is not guaranteed. Listing information is from various brokers who participate in IDX and not all listings may be visible on the site. The property information being provided is for the consumer’s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated on 12/22/2025 09:05 PM