tomo logo

$1,196,000

Beds
4
Baths
3.0
sq ft
2,368

3536 Saratoga Ave, Annapolis, MD 21403

3536 Saratoga Ave

ANNAPOLIS, MD 21403

  • 189 days on market
    • Price drop $54,000↓
Your dream home in the water-privileged community of Arundel on the Bay is waiting! With breathtaking water views from both levels, this stunning contemporary home is designed for year-round luxury living. Situated on a spacious 0.34-acre corner lot, the property is surrounded by mature trees, offering privacy and tranquility. Expansive multi-level decks provide the perfect space to take in the mesmerizing sunrises and sunsets, making every day feel like a getaway. Inside, this beautifully designed four-bedroom, three-bathroom home boasts elegant hardwood flooring, a brand-new window package (2023) that fills the space with natural light, and a warm, inviting ambiance. The formal living room with a fireplace creates the perfect gathering space, while the formal dining room features stylish built-ins for extra storage. The open-concept kitchen seamlessly flows into the family room, where a second fireplace makes the space feel cozy and inviting. The main-level bedroom and full bath offer flexibility—ideal for guests, a home office, or multi-generational living. Upstairs, the primary suite is a true sanctuary, complete with water views, a fireplace, and a luxurious spa-inspired bathroom featuring heated floors, a dual vanity, a glass-enclosed shower, and a freestanding soaking tub. The custom-designed walk-in closet adds even more sophistication and convenience. Two additional bedrooms share a beautifully updated Jack and Jill bathroom, with one of the bedrooms leading to a private upper deck where you can relax and take in the scenery. A second-floor laundry room adds to the home’s thoughtful layout. Step outside and discover a property designed for both relaxation and entertainment. The front and back decks are perfect for outdoor dining, lounging, or simply soaking in the coastal breeze. A newly paved circular driveway (2022) provides ample parking, while two outdoor sheds offer convenient storage for water toys, tools, and yard equipment. The home also includes an automated doggie door and an electric fence, making it perfect for pet owners. Recent updates such as central A/C (2020), a new water system (2022), a washer and dryer (2022), and a new shed (2023) ensure worry-free living. Located just steps from the community beach and docks, this home offers the ultimate waterfront lifestyle. Enjoy kayaking, paddleboarding, or simply taking in the scenic beauty, all while being just minutes from downtown Annapolis and Annapolis Mall. With an easy 45-minute commute to DC or Baltimore, this is the perfect home for those looking for a balance of serenity and accessibility. The seller is highly motivated and willing to include some furniture, making this an unbeatable opportunity. Don’t miss out—schedule your showing today before this one is gone!

Details

Property type

Single Family Residence

Est. home value

$915,521

Lot size

0.34 acres

Price per sq ft

$506

Year built

1988

Annual property taxes

$7,948

HOA

No

Price History

02/26/2025
Bright

Bright #MDAA2094906

Price change
$1,196,000
-4.32%
10/03/2024
Bright

Bright #MDAA2094906

Listed
$1,250,000
+51.98%
07/16/2021
Bright

Bright #MDAA468976

Sold
$822,500
+37.77%

Schools & Community

Elementary school: 

HILLSMERE

Middle school: 

ANNAPOLIS

High school: 

ANNAPOLIS

School district: 

ANNE ARUNDEL COUNTY PUBLIC SCHOOLS

Negotiation Insights

Before you make an offer, understand who you are negotiating with so you can tailor your negotiation strategy to their situation.

Seller could get up to

$495,172
Asking price
$1,196,000
Closing costs (~8% of asking)
-$95,680
Est. remaining loan balance
-$605,148
Cash to seller
$495,172

This is an estimate of how much the seller could receive at closing after paying off the outstanding mortgage.

Seller’s Loan History

Lender

First Home Mortgage Corp

Loan start date

July 2021

Original loan amount

$658,000

Est. remaining balance

$605,148

Interest rate

2.95%

Loan type

New Conventional, 30 year

Seller

Kimberly W Ross

Source: Public records data

If you're the owner, you can request to remove loan details. Email listingsupport@tomo.com

How insights can help you

Interest rate

If the seller has a low interest rate, they may be tempted to rent the property out if they can't get the price they have in mind.

Motivation

If the seller already got a job in a different city, they may feel pressure to sell quickly to free up cash for a new home.

Equity

If the seller stands to receive a large amount of cash when they sell the property, they might be willing to negotiate on the offer price.

Interested in learning more?

Status: Active

Tomo last checked: 03/31/2025 at 3:10 PM

Listing updated: 03/15/2025 at 2:14 AM

Listed by: Jeannie J Murchison, SMB Murchison Realty, Inc. Phone #: (202) 280-6559

MLS: Bright #MDAA2094906

Bright logo

Recently listed in ANNAPOLIS

$479,000|1 bd|1.0 ba|Condo
$650,000|3 bd|2.5 ba|House
$485,000|4 bd|2.0 ba|House
$595,000|3 bd|1.5 ba|House
$1,400,000|3 bd|4.5 ba|Condo
$382,900|2 bd|2.0 ba|Townhouse
$1,595,000|4 bd|3.5 ba|House
$399,000|5 bd|3.0 ba|House