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1286 Ketch Ct, Annapolis, MD, 21403

4beds
3baths
2,856sqft
$925,000
$324price/sqft
$5,847/moest. monthly cost
$233,880/yrincome needed

About This Home

* Offer Deadline is Monday 8/17 at 10 am.* Welcome to Ketch Court, tucked away in the highly sought-after waterfront community of Annapolis Cove. With four bedrooms, two-and-a-half bathrooms, a finished basement with brand-new flooring, and a huge backyard, this home offers the space and flexibility to fit just about any stage of life. Hardwood floors create a warm, welcoming feel throughout the main level, while the family room fireplace makes the perfect gathering spot on chilly evenings. Whether you're hosting family for the holidays, watching the big game with friends, or simply enjoying a quiet night at home, this is a house that's meant to be lived in. The finished basement adds even more living space and can easily become a media room, playroom, home gym, office, or guest retreat. Upstairs, you'll find four spacious bedrooms, giving everyone a place to unwind at the end of the day. Step outside and you'll discover one of the home's best features, a backyard that's hard to find in Annapolis. There's plenty of room for cookouts, yard games, pets, gardening, or simply relaxing on the deck with your morning coffee before the day begins. It's the kind of outdoor space you'll use every chance you get. One of the biggest reasons people love Annapolis Cove is the neighborhood itself. Neighbors gather for happy hours at the marina, movie nights, and the community's annual Fourth of July parade. Kids ride bikes together, friends stop to chat on evening walks, and there's a true sense of community that's becoming harder and harder to find. Residents also enjoy access to the private marina, playground, green spaces, and the opportunity to join the waterfront Bay Ridge Pool. Just minutes from Historic Downtown Annapolis, Quiet Waters Park, shopping, restaurants, and commuter routes, you'll enjoy the best of Annapolis while coming home to one of its most welcoming neighborhoods. This is more than a beautiful house, it's a place to put down roots, make memories, and enjoy a lifestyle that keeps people in Annapolis Cove for years. Welcome home!

Getting Around

3
WalkingCar-Dependent
0
TransitNo Nearby Transit
16
BikeSomewhat Bikeable

Schools

4/10
Annapolis Middle SchoolGrades 6-82.7 mi
5/10
Annapolis High SchoolGrades 9-125.8 mi

Construction

Condition

  • Year built: 1981

Materials

  • Foundation: Other
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 1232

Basement

  • Has basement: Yes
  • Basement: Full,Improved,Walk-Out Access,Interior Entry

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 616
  • Finished area above ground: 2,240

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,472
  • Total interior livable area: 2,856 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 020257890027507
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: Community
  • Waterfront features: Lake

Lot

  • Lot size: 0.35 Acres

Parking

  • Total spaces: 2
  • Parking features: Storage,Garage Faces Front,Inside Entrance,Attached,Driveway,On Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
    Coastal FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Winter Weather
Heat Wave
Lightning
Strong Wind
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 $4,677$56,124
Home Insurance *$220$2,640
Property Taxes $587$7,044
Electricity $363$4,366
Total$5,847$70,164
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$200,468/yr
40% on housing$175,410/yr
45% on housing$155,920/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

$324This listing

vs Other Active Listings

Avg $/sqft

ZIP 21403$327
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
2026-08-14Price change$875,000
2026-07-29Price change$925,000
2026-07-16Listed for sale$975,000

For Sale by Agent

AgentJen Schaub
BrokerageEXP Realty, LLC

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