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523 523a Epping Forest Rd , Annapolis, MD 21401
$950,000
Est. Payment: $5,056.30/mo
4 Bed
4 Bath
2688 Sqft
0.91 Acres
Status: active | Days on site: 10
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LNG139 - 3353632
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House Description

Located in the sought-after Saefern community, this distinctive home offers a rare combination of privacy, natural beauty, and access to an array of community amenities. Tucked away in a peaceful, wooded setting, the home is approached by a long, sloping driveway and surrounded by mature trees, creating a private retreat with a treehouse-like feel. Inside, the home's post-and-beam construction, soaring vaulted ceilings, exposed beams, and dramatic two-story brick fireplace create a warm and inviting atmosphere. Natural light fills the open living spaces, while multiple glass sliders connect the interior to the expansive ipe deck, providing an ideal setting for entertaining or simply enjoying the surrounding landscape. The kitchen features granite countertops, stainless steel appliances, 42-inch upper cabinets, double wall ovens, a separate cooktop, and a center island. The main level offers the convenience of a primary bedroom and bath, along with an open living and dining area anchored by an oversized wood-burning fireplace. Upstairs, a catwalk and loft overlook the main living space, adding architectural interest and offering beautiful views of the home's interior and wooded surroundings. The walk-out lower level expands the home's living space with 10-foot ceilings, an additional bedroom and full bathroom, a spacious 24 x 20 family room with a woodstove, and ample storage. A covered area beneath the deck provides additional sheltered outdoor space. Other features include an attached two-car garage and an irrigation system. Recent improvements include a new roof installed at the end of 2024, a new septic tank in 2025, and a new HVAC system installed in 2025, converting the home from oil heat to an electric heat pump system. Saefern offers an impressive selection of community amenities, including a marina, outdoor swimming pool, horse stables, scenic trails, dog park, fishing pond, and tennis and pickleball courts. Membership is optional, though highly recommended within the community, and provides access to these amenities. Boat slips at the marina are subject to availability, with options for vessels of varying sizes and water depths. Enjoy the feeling of a private retreat while remaining conveniently located near Annapolis Mall, downtown Annapolis, Anne Arundel Medical Center, and major commuter routes including Routes 50 and 97. With its distinctive architectural character, peaceful natural setting, recent system updates, and access to the Severn River and community amenities, this home offers a unique opportunity to enjoy Saefern living.

Highlights

Listed by Sarah Elizabeth Horwath , 4109169989 Long & Foster Real Estate, Inc. , 4102633400. Bright MLS

Property Type

Residential

Lot/Acreage
0.91

HOA Fee

1500 Annually

Year Built

1995

County

Anne Arundel

Neighborhood

Saefern

School District

Anne Arundel County Public Schools

Listing ID

MDAA2159558

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Cooktop, Dishwasher, Dryer, Microwave, Oven - Wall, Refrigerator, Washer
Air Cond:Central A/C
Fireplaces:Brick,2 Fireplaces
Floor:Hardwood
Above Ground Sq Ft:2112
Below Ground Sq Ft:576
Basement:Connecting Stairway,Outside Entrance,Daylight,Full,Heated,Improved,Partially Finished,Windows
Other:
  • ▪ Main Floor Bedrooms:1
  • ▪ Additional:Breakfast Area, Kitchen - Gourmet, Combination Kitchen/Dining, Kitchen - Island, Primary Bath(s), Entry Level Bedroom, Upgraded Countertops, Wood Floors, Floor Plan - Open, Built-Ins, Exposed Beams, Kitchen - Eat-In, Kitchen - Table Space, Skylight(s), No Pet Restrictions, Pets Allowed
Water:Well

Exterior Features

Lot:Flag,Trees/Wooded,Secluded,Private,Not New Construction,Horse Property: No
Garage Capacity:2
Zoning:R1
Roof:Asphalt
Others:
  • ▪ Additional:Flood Lights, Pool - Outdoor, Tot Lots/Playground, Tennis Courts, Pickleball Courts, Jog/Walk Path, Dog Park, Pier/Dock
Sewer:On Site Septic
Parking Features:Garage - Front Entry,Inside Access,Garage Door Opener,Attached Garage,Driveway,2+ Spaces,1+ Spaces
Principal Interest
$5,056
Taxes
$741
HOA
$1,500

Home Price

$950,000

Loan Details

30 yrs
7%

Down Payment

20%
$190,000
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:
$5,056.30

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $5,056.30 $740.94 $1,500.00 $7,297.24
Yearly $60,675.59 $8,891.30 $18,000.00 $87,566.89
Total $1,820,267.63 $266,739.00 $540,000.00 $2,627,006.63
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.

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Data last updated: 2026-11-13T17:14:43.000Z

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