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103 Norma Aly, Annapolis, MD, 21403

4beds
5baths
2,500sqft
$699,000
$280price/sqft
$4,820/moest. monthly cost
$192,800/yrincome needed

About This Home

Some homes ask you to spend your weekends maintaining them. This one gives your weekends back. Imagine finishing work on Friday, closing the garage door, and deciding whether the evening calls for dinner in Eastport, cocktails downtown, a concert at City Dock, or simply inviting friends over because your house was built for exactly that. The heart of the home is a kitchen that doesn't hide the cook from the party. It was designed for people who love to entertain—an oversized island where everyone naturally gathers, abundant workspace, gas cooking, and an open flow that keeps every conversation going. Whether it's wine and appetizers for six or Thanksgiving for twenty, this is the room where people linger long after dinner is over. When the weather is perfect—and in Annapolis that's often—the party simply moves outside. Open the doors and the stunning double-sided fireplace connects the elegant dining room with the private deck, creating one seamless indoor-outdoor living space that's equally suited for quiet evenings with a glass of wine or unforgettable gatherings under the stars. Unlike many townhomes, you'll never wonder where everyone is going to park. The spacious two-car garage, driveway parking for two additional vehicles, generous guest parking nearby, and electric vehicle charging station make everyday life remarkably easy. Need space? You have four finished levels that adapt as your life changes. The top-floor retreat with its own full bath can become a guest suite, executive office, fitness studio, media room, or the private escape everyone wishes they had. And then there's the lifestyle. Walk or bike into Eastport. Meet friends downtown without worrying about parking. Spend the afternoon on your boat instead of behind a lawn mower. Travel for weeks knowing your home will be exactly as you left it. This is the kind of low-maintenance, lock-and-leave lifestyle that's becoming harder and harder to find in Annapolis. You don't have to sacrifice space to simplify your life. Here, you get both. If you've been searching for a home that feels sophisticated without feeling complicated, that offers luxury without demanding constant maintenance, and that lets you enjoy everything Annapolis has to offer instead of spending your weekends taking care of a house, you've just found it.

Getting Around

55
WalkingSomewhat Walkable
34
TransitSome Transit
52
BikeBikeable

Schools

6/10
4/10
Annapolis Middle SchoolGrades 6-80.5 mi
5/10
Annapolis High SchoolGrades 9-123.5 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 2019

Materials

  • Foundation: Slab
  • Roof: Architectural Shingle
  • Construction materials: HardiPlank Type,Brick

Other

  • Builder model: Annapolis
  • Builder name: Craftmark Homes

Type & Style

  • Home type: Townhouse
  • Architectural style: Craftsman,Colonial
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Microwave,Cooktop,Dishwasher,Disposal,Exhaust Fan,Humidifier,Ice Maker,Self Cleaning Oven,Refrigerator,Water Heater,Dryer,Stainless Steel Appliance(s),Washer,Oven/Range - Gas,Gas Water Heater
  • Laundry features: Upper Level,Washer/Dryer Hookups Only

Bedroom3

  • Features: Flooring - Carpet,Window Treatments,Ceiling Fan(s)
  • Level: Upper

Bedroom4

  • Features: Flooring - Carpet,Ceiling Fan(s),Window Treatments
  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2
  • Main level bathrooms: 1

Dining Room

  • Features: Fireplace - Gas,Flooring - HardWood,Crown Molding,Window Treatments
  • Level: Upper

Family Room

  • Features: Crown Molding,Flooring - HardWood,Window Treatments
  • Level: Upper

Features

  • Dining Area,Open Floorplan,Kitchen Island,Primary Bath(s),Recessed Lighting,Bathroom - Stall Shower,Upgraded Countertops,Walk-In Closet(s),Bathroom - Tub Shower,Bathroom - Walk-In Shower,Breakfast Area,Ceiling Fan(s),Family Room Off Kitchen,Formal/Separate Dining Room,Kitchen - Country,Eat-in Kitchen,Kitchen - Gourmet,9'+ Ceilings
  • Window features: Energy Efficient,Low Emissivity Windows,Screens,Skylight(s),Vinyl Clad,Window Treatments
  • Flooring: Carpet,Ceramic Tile,Hardwood,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas/Propane,Double Sided,Mantel(s)
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,500

Foyer

  • Features: Flooring - HardWood,Recessed Lighting
  • Level: Main

Half Bath

  • Features: Flooring - HardWood
  • Level: Upper

Half Bath

  • Features: Flooring - HardWood
  • Level: Main

Heating & Cooling

  • Heating features: Heat Pump,Programmable Thermostat,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air,Programmable Thermostat,Electric

Interior Area

  • Total structure area: 2,500
  • Total interior livable area: 2,500 sqft

Kitchen

  • Features: Breakfast Bar,Countertop(s) - Quartz,Flooring - HardWood,Kitchen Island,Kitchen - Country,Eat-in Kitchen,Kitchen - Gas Cooking,Lighting - Pendants,Recessed Lighting,Crown Molding
  • Level: Upper

Living Room

  • Features: Flooring - HardWood,Recessed Lighting,Window Treatments
  • Level: Main

Other

  • Features: Flooring - Ceramic Tile,Bathroom - Tub Shower
  • Level: Upper

Primary Bathroom

  • Features: Flooring - Ceramic Tile,Bathroom - Walk-In Shower,Attached Bathroom
  • Level: Upper

Primary Bathroom

  • Features: Flooring - Ceramic Tile,Bathroom - Walk-In Shower,Attached Bathroom
  • Level: Upper

Primary Bedroom

  • Features: Attached Bathroom,Skylight(s),Cathedral/Vaulted Ceiling,Flooring - Carpet,Window Treatments
  • Level: Upper

Primary Bedroom

  • Features: Ceiling Fan(s),Flooring - Carpet,Walk-In Closet(s),Attached Bathroom,Window Treatments
  • Level: Upper

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 020669690246681
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

  • Levels: Four
  • Stories: 4
  • Pool features: None
  • Patio & porch: Deck
  • Exterior features: Sidewalks,Bump-outs,Lighting,Street Lights
  • Has view: Yes
  • View description: Garden,Trees/Woods

Lot

  • Lot size: 1,304 sqft
  • Features: Landscaped,No Thru Street

Parking

  • Total spaces: 4
  • Parking features: Garage Faces Rear,Garage Door Opener,Concrete,Driveway,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Winter Weather
Tsunami

FEMA Declared Disasters Across Maryland Counties

Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,534$42,408
Home Insurance *$166$1,992
Property Taxes $802$9,624
Electricity $318$3,822
Total$4,820$57,840
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$165,257/yr
40% on housing$144,600/yr
45% on housing$128,533/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$280This listing

vs Other Active Listings

Avg $/sqft

ZIP 21403$328
Anne Arundel County$251

vs Homes Sold Last Month

Median $/sqft

ZIP 21403$339
Anne Arundel County$262

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-30Price change$699,000
2026-06-22Listed for sale$725,000
2026-01-07Sold$675,000
2025-12-24Contingent$695,000
2025-06-14Listed for sale$695,000
2020-09-02Sold$510,000
2020-08-07Price change$510,000
2019-09-06Price change$540,000
2018-11-02Listed for sale$586,114

For Sale by Agent

AgentWendy Oliver
BrokerageColdwell Banker Realty

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