Welcome to 3320 Arundel on the Bay Road—where relaxed coastal living meets thoughtful design in the water-privileged community of Oyster Harbor. This beautifully maintained and upgraded 3-bedroom, 3.5-bath coastal-style home offers the perfect blend of indoor comfort and outdoor enjoyment. Inside, you’ll find an upgraded and inviting open plan design complemented by a cozy wood-burning fireplace, and three ensuite bedrooms, each with a private bath. The finished lower level offers full daylight and a walk-out slider to a private paver patio. A versatile studio apartment with quarts counter tops and bright white cabinetry, is ideal for guests, rental income, or a private workspace—with its own separate entry. Step outside and experience the home’s exceptional exterior features. The premium IPE wood dining deck and front stairs provide a durable and stylish space for entertaining or relaxing, enhanced by a clear-view vinyl-clad railing system. The property includes five parking spaces, multiple brick paver walkways, a private entry to the studio, a brick patio with garden beds, and two rear storage sheds, including a walk-in shed with a window. Every detail is designed for both function and coastal curb appeal. Living in Oyster Harbor means enjoying unmatched access to the Chesapeake lifestyle. This sought-after waterfront community borders Oyster Creek, Fishing Creek, and the Chesapeake Bay, offering multiple shoreline access points for boating, paddling, and soaking in the views. Residents enjoy a private sandy beach with designated swimming areas, sea nettle nets, picnic spots, BBQ areas, and a gazebo perfect for gatherings. For boating enthusiasts, the community features three marinas with 30–40 slips, boat ramps, multiple piers, and docking locations. There’s even a dedicated fishing pier, dinghy racks, and floating dock spaces for small craft like kayaks, paddleboards, and Sunfish sailboats. Whether you’re crabbing, fishing, or simply enjoying the water, this community checks every box. This is more than just a home—it’s a gateway to a vibrant coastal lifestyle in one of Annapolis’ most vibrant water-access neighborhoods. Come home to your get-away lifestyle!
Pending
Price cut: $50K (6/12)
$550,000
3320 Arundel On The Bay Rd, Annapolis, MD 21403
3beds
1,812sqft
Single Family Residence
Built in 2002
10,000 Square Feet Lot
$-- Zestimate®
$304/sqft
$-- HOA
What's special
- 81 days |
- 1,413 |
- 99 |
Zillow last checked:
Listing updated:
Listed by:
Creig Northrop 410-531-0321,
Northrop Realty 4105310321,
Co-Listing Agent: Kimberley Mccarl 443-994-5830,
Northrop Realty
Source: Bright MLS,MLS#: MDAA2141892
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Rooms
- Room types: Living Room, Dining Room, Primary Bedroom, Sitting Room, Bedroom 2, Bedroom 3, Kitchen, Laundry, Bathroom 2, Bathroom 3, Primary Bathroom, Half Bath
Primary bedroom
- Features: Attached Bathroom, Ceiling Fan(s), Flooring - HardWood, Walk-In Closet(s), Window Treatments
- Level: Upper
Bedroom 2
- Features: Attached Bathroom, Flooring - HardWood, Ceiling Fan(s), Window Treatments
- Level: Upper
Bedroom 3
- Features: Attached Bathroom, Basement - Finished, Bathroom - Walk-In Shower, Built-in Features, Flooring - Ceramic Tile, Walk-In Closet(s), Window Treatments
- Level: Lower
Primary bathroom
- Level: Upper
Bathroom 2
- Level: Upper
Bathroom 3
- Level: Lower
Dining room
- Features: Balcony Access, Flooring - HardWood, Window Treatments
- Level: Main
Half bath
- Level: Main
Kitchen
- Features: Balcony Access, Granite Counters, Flooring - Ceramic Tile, Kitchen - Electric Cooking, Recessed Lighting, Window Treatments, Pantry, Lighting - Ceiling
- Level: Main
Kitchen
- Features: Breakfast Nook, Countertop(s) - Quartz, Fireplace - Gas, Dining Area, Flooring - Ceramic Tile, Eat-in Kitchen, Kitchen - Electric Cooking, Lighting - Ceiling, Window Treatments
- Level: Lower
Laundry
- Level: Upper
Living room
- Features: Fireplace - Wood Burning, Flooring - HardWood, Window Treatments
- Level: Main
Sitting room
- Features: Attached Bathroom, Flooring - Ceramic Tile, Recessed Lighting, Window Treatments
- Level: Lower
Heating
- Forced Air, Electric
Cooling
- Heat Pump, Central Air, Electric
Appliances
- Included: Microwave, Built-In Range, Dishwasher, Disposal, Dryer, Exhaust Fan, Extra Refrigerator/Freezer, Self Cleaning Oven, Oven/Range - Electric, Refrigerator, Cooktop, Washer, Washer/Dryer Stacked, Water Heater, Water Conditioner - Owned, Water Treat System, Electric Water Heater
- Laundry: Has Laundry, Upper Level, Washer In Unit, Lower Level, Laundry Room
Features
- 2nd Kitchen, Soaking Tub, Bathroom - Tub Shower, Bathroom - Walk-In Shower, Breakfast Area, Built-in Features, Butlers Pantry, Ceiling Fan(s), Dining Area, Entry Level Bedroom, Open Floorplan, Formal/Separate Dining Room, Pantry, Primary Bath(s), Recessed Lighting, Upgraded Countertops, Walk-In Closet(s), 9'+ Ceilings, 2 Story Ceilings
- Flooring: Hardwood, Ceramic Tile, Carpet, Wood
- Doors: Atrium, Sliding Glass
- Windows: Casement, Double Hung, Double Pane Windows, Energy Efficient, Screens, Vinyl Clad, Window Treatments
- Basement: Other,Connecting Stairway,Full,Finished,Heated,Improved,Interior Entry,Exterior Entry,Rear Entrance,Shelving,Sump Pump,Walk-Out Access,Windows
- Number of fireplaces: 1
- Fireplace features: Mantel(s), Wood Burning
Interior area
- Total structure area: 1,941
- Total interior livable area: 1,812 sqft
- Finished area above ground: 1,300
- Finished area below ground: 512
Video & virtual tour
Property
Parking
- Total spaces: 5
- Parking features: Gravel, Driveway
- Uncovered spaces: 5
Accessibility
- Accessibility features: None
Features
- Levels: Three
- Stories: 3
- Patio & porch: Patio, Deck, Porch
- Exterior features: Extensive Hardscape, Storage, Sidewalks, Private Beach
- Pool features: None
- Has view: Yes
- View description: Garden
- Waterfront features: Canoe/Kayak, Private Access, Swimming Allowed, Bay
- Body of water: Oyster Creek, Fishing Creek And The Chesapeake Bay
Lot
- Size: 10,000 Square Feet
- Features: Front Yard, No Thru Street, Rear Yard, SideYard(s)
Details
- Additional structures: Above Grade, Below Grade
- Parcel number: 020259703073200
- Zoning: R2
- Zoning description: Residential / 2-units
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Contemporary,Transitional,Coastal
- Property subtype: Single Family Residence
Materials
- Frame
- Foundation: Other
- Roof: Architectural Shingle
Condition
- Excellent
- New construction: No
- Year built: 2002
- Major remodel year: 2024
Utilities & green energy
- Sewer: Public Sewer
- Water: Well
Community & HOA
Community
- Security: Main Entrance Lock
- Subdivision: Oyster Harbor
HOA
- Has HOA: No
Location
- Region: Annapolis
Financial & listing details
- Price per square foot: $304/sqft
- Tax assessed value: $581,400
- Annual tax amount: $6,113
- Date on market: 4/10/2026
- Listing agreement: Exclusive Right To Sell
- Ownership: Fee Simple
Estimated market value
Not available
Estimated sales range
Not available
$3,549/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/20/2026 | Pending sale | $550,000$304/sqft |
Source:  Bright MLS #MDAA2141892 Report a problem | ||
| 6/20/2026 | Listed for sale | $550,000$304/sqft |
Source: Bright MLS #MDAA2141892 Report a problem | ||
| 6/18/2026 | Pending sale | $550,000$304/sqft |
Source: Bright MLS #MDAA2141892 Report a problem | ||
| 6/12/2026 | Price change | $550,000-8.3%$304/sqft |
Source: Bright MLS #MDAA2141892 Report a problem | ||
| 5/11/2026 | Price change | $600,000-4%$331/sqft |
Source: Bright MLS #MDAA2141892 Report a problem | ||
| 4/23/2026 | Listed for sale | $625,000+58.2%$345/sqft |
Source: Bright MLS #MDAA2141892 Report a problem | ||
| 11/29/2024 | Listing removed | $2,200$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 10/28/2024 | Price change | $2,200-15.4%$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 10/16/2024 | Listed for rent | $2,600-20%$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 1/9/2024 | Listing removed | -- |
Source: Bright MLS #MDAA2072592 Report a problem | ||
| 12/4/2023 | Listed for rent | $3,250$2/sqft |
Source: Bright MLS #MDAA2072592 Report a problem | ||
| 11/20/2023 | Listing removed | -- |
Source: Bright MLS #MDAA2072592 Report a problem | ||
| 11/3/2023 | Listed for rent | $3,250$2/sqft |
Source: Bright MLS #MDAA2072592 Report a problem | ||
| 3/24/2023 | Listing removed | -- |
Source: Bright MLS #MDAA432326 Report a problem | ||
| 1/3/2023 | Listing removed | -- |
Source: Zillow Rentals Report a problem | ||
| 12/24/2022 | Listed for rent | $3,250$2/sqft |
Source: Zillow Rentals Report a problem | ||
| 12/21/2022 | Listing removed | -- |
Source: Zillow Rentals Report a problem | ||
| 12/14/2022 | Listed for rent | $3,250$2/sqft |
Source: Zillow Rentals Report a problem | ||
| 6/11/2021 | Sold | $395,000$218/sqft |
Source: Public Record Report a problem | ||
| 3/23/2021 | Sold | $395,000+1.3%$218/sqft |
Source:  Long & Foster Broker Feed #MDAA432326_100 Report a problem | ||
| 8/17/2020 | Pending sale | $390,000$215/sqft |
Source: Long & Foster Real Estate, Inc. #MDAA432326 Report a problem | ||
| 8/5/2020 | Price change | $390,000-8.2%$215/sqft |
Source: Long & Foster Real Estate, Inc. #MDAA432326 Report a problem | ||
| 4/30/2020 | Price change | $425,000+0%$235/sqft |
Source: Long & Foster Real Estate, Inc. #MDAA432326 Report a problem | ||
| 2/14/2020 | Price change | $424,995+0%$235/sqft |
Source: RE/MAX Leading Edge #MDAA425382 Report a problem | ||
| 2/13/2020 | Price change | $424,900-0.7%$234/sqft |
Source: RE/MAX Leading Edge #MDAA425382 Report a problem | ||
| 1/18/2020 | Price change | $428,000-3.2%$236/sqft |
Source: EXP Realty, LLC #MDAA420356 Report a problem | ||
| 12/7/2019 | Listed for sale | $442,000+38.1%$244/sqft |
Source: EXP Realty, LLC #MDAA420356 Report a problem | ||
| 9/23/2003 | Sold | $320,000+611.1%$177/sqft |
Source: Public Record Report a problem | ||
| 7/25/2001 | Sold | $45,000$25/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $7,622 +50.3% | $522,267 +12.8% |
| 2024 | $5,071 +15% | $463,133 +14.6% |
| 2023 | $4,412 +5.3% | $404,000 +0.8% |
| 2022 | $4,188 +0.8% | $400,733 +0.8% |
| 2021 | $4,154 +0.7% | $397,467 +0.8% |
| 2020 | $4,123 +0.7% | $394,200 |
| 2019 | $4,097 +4% | $394,200 +1.5% |
| 2018 | $3,938 +0.2% | $388,333 +0.8% |
| 2017 | $3,928 | $385,400 +4.5% |
| 2016 | -- | $368,767 +4.7% |
| 2015 | -- | $352,133 +5% |
| 2014 | -- | $335,500 |
| 2013 | -- | $335,500 |
| 2012 | -- | $335,500 -9.1% |
| 2011 | -- | $369,000 +2% |
| 2010 | -- | $361,840 +2% |
| 2009 | -- | $354,680 +2.1% |
| 2008 | -- | $347,520 +15.5% |
| 2007 | -- | $300,942 +18.3% |
| 2006 | -- | $254,366 +22.4% |
| 2005 | -- | $207,790 +6.6% |
| 2004 | -- | $194,846 +7.1% |
| 2003 | -- | $181,903 +7.7% |
| 2002 | -- | $168,960 +276.9% |
| 2001 | -- | $44,832 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
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: 1.3 mi
- 4/10Annapolis Middle SchoolGrades: 6-8Distance: 3 mi
- 5/10Annapolis High SchoolGrades: 9-12Distance: 6 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.
A local agent can set up tours, give advice and negotiate with sellers.
- Maryland
- Anne Arundel County
- Annapolis
- 21403
- 3320 Arundel On The Bay Rd
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