




278 Hillsmere Dr, Annapolis, MD, 21403
About This Home
Location, location, location. Don't miss out on this one, make it your next home. Located in desirable Hillsmere Shores! Looks can be deceiving, must see inside to appreciate the open, airy and light filled space. Highly motivated sellers! Bring all reasonable offers! This home is located in the highly desirable Hillsmere Shores community, offering a private beach, community pool, marina, and multiple launch areas for boats, kayaks, canoes, and paddleboards — the perfect setting for anyone who loves life on the water. The home features four spacious bedrooms and three full baths, all set within an open, airy floor plan designed to capture natural light and create an inviting sense of space. A generously sized kitchen serves as the heart of the home, offering abundant prep areas, modern appliances, and effortless flow into the main living spaces. The living room is anchored by a refined propane fireplace, adding warmth and ambiance throughout the seasons. The lower-level functions as an extension of the home, complete with a private bedroom and full bath—ideal for guests or multigenerational living. A sprawling great room provides endless possibilities for entertaining or relaxation, while a dedicated laundry space and two additional flex rooms offer versatility for a home gym, office, studio, or hobby space. Customizable space based on what works for you and your lifestyle. Sitting on a generous lot, the property backs directly to Quiet Waters Park and includes a private path for easy access and all the park has to offer...hiking trails, a playground, dog park, outdoor summer concerts and several other fun events throughout the year. The fully fenced backyard is designed for entertaining, complete with a bar area and firepit for evenings outdoors. The detached garage/barn provides endless possibilities — workshop, studio, storage, or more. A massive, fully covered deck spans the back of the home, creating an ideal space for crab feasts, cookouts, or simply relaxing and enjoying the peaceful surroundings. This home is truly a must‑see. Looks can be deceiving — it is far more spacious than it appears from the outside, offering room to spread out and enjoy every part of the property and its incredible location.
Getting Around
Schools
Construction
Condition
- Property condition: Very Good
- Year built: 1964
Materials
- Foundation: Concrete Perimeter
- Construction materials: Brick,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch/Rambler
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Microwave,Oven/Range - Electric,Range Hood,Refrigerator,Stainless Steel Appliance(s),Washer,Water Conditioner - Owned,Water Treat System,Electric Water Heater
- Laundry features: Lower Level
Basement
- Area: 1250
Basement
- Has basement: Yes
- Basement: Full,Connecting Stairway,Heated,Exterior Entry,Partially Finished,Rear Entrance,Walk-Out Access,Windows
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 2
- Main level bedrooms: 3
Features
- Ceiling Fan(s),Combination Dining/Living,Eat-in Kitchen,Kitchen Island,Kitchen - Table Space
- Window features: Bay/Bow
- Number of fireplaces: 1
- Fireplace features: Gas/Propane
- Fireplace: Yes
- Finished area below ground: 650
- Finished area above ground: 1,506
Heating & Cooling
- Heating features: Forced Air,Heat Pump,Electric
- Cooling features: Ceiling Fan(s),Central Air,Electric
Interior Area
- Total structure area: 2,756
- Total interior livable area: 2,156 sqft
Property
Accessibility
- Accessibility features: Accessible Approach with Ramp
Details
- Parcel number: 020241212459925
- Zoning: R2
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Pool features: Community
- Patio & porch: Porch
- Exterior features: Private Beach,Balcony
- Fencing: Full
- Has view: Yes
- View description: Trees/Woods
- Waterfront features: Canoe/Kayak,Private Access,River
- Waterbody name: South River
Lot
- Lot size: 0.29 Acres
- Features: Backs - Parkland,Backs to Trees,Rear Yard
Parking
- Total spaces: 10
- Parking features: Garage Faces Front,Storage,Oversized,Asphalt,Detached,Driveway,Off Street
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
- Uncovered spaces: 8
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
- Coastal Flooding
- Lightning
- Strong Wind
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,272 | $51,264 |
| Home Insurance * | $201 | $2,412 |
| Property Taxes | $810 | $9,720 |
| Electricity | $281 | $3,374 |
| Total | $5,564 | $66,768 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-05 | Price change | $799,000 |
| 2026-07-09 | Price change | $845,000 |
| 2026-07-01 | Listed for sale | $935,000 |
| 2015-01-01 | Sold | $390,000 |
| 2012-08-07 | Sold | $330,000 |
| 2010-07-03 | Listing removed | $360,000 |
| 2009-10-07 | Price change | $360,000 |
| 2009-08-15 | Price change | $374,999 |
| 2009-07-04 | Listed for sale | $378,500 |
| 2007-02-16 | Sold | $390,000 |
| 2006-11-22 | Sold | $390,000 |
