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820 Bay Ridge Ave , Annapolis, MD 21403
$1,799,000
Est. Payment: $9,878.48/mo
4 Bed
5 Bath
3900 Sqft
0.07 Acres
Status: active | Days on site: 60
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CBRB43 - 84385,3115508
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House Description

Ooh la la, Eastport. There is something unmistakably special about life here—and 820 Bay Ridge Avenue captures it beautifully. Set within coveted Sailor’s Quay, this exceptional residence delivers the rare combination of space, sophistication, outdoor living, and walkability, all just moments from the heart of Annapolis. Behind the white picket fence, manicured landscaping and a gracious brick front porch create a picture-perfect welcome. Step inside to more than 4,000 square feet of beautifully finished living across FOUR levels, where rich hardwood floors, 9-foot ceilings, elegant millwork, tray ceilings, and plantation shutters create a home that feels polished without ever feeling fussy. Thoughtfully customized during construction, the residence includes numerous builder upgrades, enhanced electrical features, and details designed to make everyday living as effortless as the home is beautiful. At its heart is a fabulous kitchen with honed granite countertops, premium appliances, abundant cabinetry, and a generous center island opening seamlessly to the family room and upgraded gas fireplace. The formal dining room is ready for holidays, celebrations, and memorable dinners, while the adjoining sitting room or study is perfect for working from home, curling up with a favorite book, or ending the evening with a bourbon. And then there is the outdoor living. Morning coffee on the front porch overlooking the flower garden. Dinner in your private English courtyard. Cocktails under the stars on the second-floor terrace. Professionally enhanced landscaping creates an intimate retreat, while ceiling fans, a dedicated natural gas line for grilling, and the opportunity for a future fire feature make these spaces as functional as they are beautiful. Upstairs, the primary suite feels like a private escape, with a custom walk-in closet, spa-inspired bath, and expansive sitting room. A generous junior suite with its own bath offers wonderful privacy for family or guests, while two additional vaulted-ceiling bedrooms share a beautifully appointed full bath. The finished third-floor loft brings even more possibilities—a home office, fitness studio, media room, guest retreat, or whatever life calls for next. The finished lower level adds a spacious family room and full bath, providing even more flexibility for entertaining, extended stays, or multigenerational living. And in a feature rarely found, the home was designed with the future in mind with a framed elevator shaft, allowing an elevator to be added without compromising the architecture or thoughtful floor plan. But perhaps the greatest luxury of 820 Bay Ridge Avenue is everything waiting just outside your front door. Walk to St. Mary’s. Walk to dinner. Walk to neighborhood cafés and marinas. Walk to the Annapolis Yacht Club and Eastport Yacht Club. Cross the Spa Creek Drawbridge into Historic Downtown Annapolis and City Dock. Spend the afternoon on the Chesapeake, meet friends for dinner on the water, browse the shops and galleries downtown, or take the water taxi home after an evening out. Morning coffee around the corner. An afternoon on the water. Dinner in Eastport. Ice cream at City Dock. School, sailing, restaurants, shopping, marinas, yacht clubs, and downtown Annapolis—all without having to get in the car. And somehow, you still come home to more than 4,000 square feet, four finished levels, beautiful outdoor spaces, exceptional privacy, extensive custom upgrades, and future elevator capability. No need to choose between space, sophistication, and walkability. Here, you get all three. Polished. Coastal. Effortlessly Annapolis. Ooh la la, indeed.

Highlights

Listed by Wendy T Oliver , 4433365091 and Catherine Marucci , 4438831609 Coldwell Banker Realty , 4102638686. Bright MLS

Property Type

Residential

Lot/Acreage
0.07

HOA Fee

150 Monthly

Year Built

2011

County

Anne Arundel

Neighborhood

Eastport

School District

Anne Arundel County Public Schools

Listing ID

MDAA2156026

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:5
  • ▪ Full Bathrooms:4
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In Microwave, Built-In Range, Commercial Range, Dishwasher, Disposal, Dryer, Oven - Self Cleaning, Oven/Range - Gas, Range Hood, Refrigerator, Six Burner Stove, Stainless Steel Appliances, Washer, Water Heater
Air Cond:Central A/C,Ceiling Fan(s),Programmable Thermostat,Zoned
Fireplaces:Mantel(s),Gas/Propane,1 Fireplace
Floor:Hardwood,Ceramic Tile,Carpet
Above Ground Sq Ft:3100
Below Ground Sq Ft:800
Basement:Connecting Stairway,Daylight,Partial,Full,Fully Finished,Heated,Improved,Interior Access,Poured Concrete,Sump Pump,Water Proofing System
Other:
  • ▪ Additional:Bathroom - Soaking Tub, Bathroom - Tub Shower, Bathroom - Walk-In Shower, Breakfast Area, Carpet, Ceiling Fan(s), Chair Railings, Crown Moldings, Family Room Off Kitchen, Floor Plan - Open, Formal/Separate Dining Room, Kitchen - Country, Kitchen - Eat-In, Kitchen - Gourmet, Kitchen - Island, Pantry, Primary Bath(s), Recessed Lighting, Upgraded Countertops, Walk-in Closet(s), Window Treatments, Wood Floors, No Pet Restrictions, Pets Allowed
Water:Public

Exterior Features

Lot:Landscaping,Premium,Private,Not New Construction,Horse Property: No,In City Limits
Garage Capacity:4
Zoning:B1
Roof:Architectural Shingle,Metal
Others:
  • ▪ Additional:Extensive Hardscape, Excellent, Common Grounds, Reserved/Assigned Parking, Snow Removal, Lawn Care Front, Common Area Maintenance, Lawn Care Rear, Road Maintenance
Sewer:Public Sewer
Parking Features:Additional Storage Area,Garage - Rear Entry,Garage Door Opener,Inside Access,Oversized,Attached Garage,Off Street,On Street,Parking Lot,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$9,878
Taxes
$1,131
HOA
$150

Home Price

$1,799,000

Loan Details

30 yrs
7.312%

Down Payment

20%
$359,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$9,878.48

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $9,878.48 $1,130.67 $150.00 $11,159.14
Yearly $118,541.71 $13,568.00 $1,800.00 $133,909.71
Total $3,556,251.44 $407,040.00 $54,000.00 $4,017,291.44
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Annapolis, MD).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-14T05:05:10.000Z

© 2026 Bright MLS