CONTINUE TO SHOW FOR BACKUP CONTRACTS. Welcome to this beautifully updated and meticulously maintained home in the highly sought-after water-privileged community of Cape St. Claire! Offering the perfect blend of comfort, style, and energy efficiency, this move-in-ready gem features an upgraded kitchen, an expansive primary suite with an enlarged spa-like bath, a cozy family room with a fireplace, a finished walk-out lower level, a multi-level deck, a one-car attached garage, and OWNED solar panels. Rich Brazilian chestnut engineered flooring (2019) flows throughout the living room, dining room, entry, staircase, and upper-level hallway. The thoughtfully designed kitchen is sure to impress with 42-inch cherry cabinetry featuring pull-out pantry drawers, built-in spice rack, glass display cabinets, crown molding, stainless double-drawer dishwasher, double-door refrigerator with icemaker and water dispenser, and range with convection oven and warming drawer, greenhouse window, plus a double-bowl sink and convenient instant hot water tap. Retreat to the expansive primary suite, complete with a large walk-in closet with a custom California Closet system and a luxurious spa-inspired bath featuring a double sink vanity with ample cabinetry and an oversized multi-head tiled shower. The inviting family room is centered around a cozy fireplace, while the vaulted-ceiling living room creates an open, airy atmosphere ideal for everyday living and entertaining. The finished walk-out lower level provides exceptional flexibility with ample space for a recreation room, guest suite, and home gym or office area, and includes a sliding glass door leading to the backyard. Step outside to the multi-level deck overlooking the level backyard—an ideal setting for outdoor dining, entertaining, or simply relaxing. The lower deck is even reinforced and wired for a hot tub. Additional updates and features include replacement windows throughout the main and upper levels, a water heater replaced in 2019, a foam-insulated attic for enhanced energy efficiency, and a well-maintained heat pump that has been serviced under a maintenance contract. Unlike many homes in Cape St. Claire, this property is connected to public water, an added benefit. Even better, the OWNED solar panel system helps reduce electric costs while generating valuable solar credits. For added peace of mind, a one-year Assurant Home Warranty is included. Enjoy all the exceptional amenities Cape St. Claire has to offer, including community beaches, boat ramps, fishing piers, playgrounds, parks, a clubhouse, and year-round community events. The home is also conveniently located near Cape St. Claire Elementary School, Broadneck High School, the Broadneck Library, grocery store, shops, restaurants, and RT 50 for easy access to Annapolis, Ft. Meade, Baltimore, D.C., and BWI Airport. This exceptional home truly offers the complete package—generous living space, thoughtful updates, energy-efficient features, and an unbeatable Chesapeake Bay lifestyle. A must-see! Please note: Pool club requires separate membership and fees. Waitlist exists for community slips and requires additional fees. Cape St. Claire is a Special Community Benefit District (see other fee, which is already included in real estate tax bill).
Amenities included: Beach Access, Boat Dock/Slip, Boat Ramp, Clubhouse, Common Grounds, Community Center, Marina/Marina Club, Party Room, Picnic Area, Pier/Dock, Security, Tot Lots/Playground, Water/Lake Privileges, Other, Pool Mem Avail
Services included: Management, Pier/Dock Maintenance, Reserve Funds, Other
HOA fee: $10 annually
HOA name: CAPE ST. CLAIRE IMPROVEMENT ASSOCIATION
Location
Region: Annapolis
Financial & listing details
Price per square foot: $246/sqft
Tax assessed value: $464,467
Annual tax amount: $5,619
Date on market: 7/10/2026
Listing agreement: Exclusive Right To Sell
Listing terms: Cash,FHA,VA Loan,Other
Inclusions: Solar Panels (owned), Upper Level Tv, Garage White Hanging Racks And Hooks, Planters On Deck, Shelving In Laundry Room, Blink Exterior Cameras (3). Generator Hookup--"as Is"(not Used Recently).
Exclusions: Basement Freezer, Basement Refrigerator, Shelving Unit In Family Room, Shelving In Garage, Dehumidifier.
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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included
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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