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2734 Gingerview Ln, Annapolis, MD, 21401

3beds
4baths
2,727sqft
$665,000
$244price/sqft
$4,540/moest. monthly cost
$181,600/yrincome needed

About This Home

Pristine, freshly painted townhome in the Summer Village section of Riva Trace offers over 2,700 square feet of living space on three finished levels. Ideally positioned on the northeast side of Gingerview Lane, the back of the home opens out to private wooded and winter water views. The living room, screened porch, and primary suite overlook a thick canopy of mature trees leading to the banks of Gingerville Creek. The open floor plan features three bedrooms, three full baths, one half bath, spacious living and dining areas, and two fireplaces. The kitchen offers granite countertops, all-new stainless steel appliances (2026), attractive new tile flooring (2026), and plenty of cabinet storage. Hardwood floors extend throughout the main and upper levels, while the finished walk-out lower level is carpeted (new carpet 2026). The vaulted primary suite features a wood-burning fireplace, a separate sitting area, private deck, generous closet space, and an en-suite bath. The versatile walk-out lower level is ideal as a family room, guest suite, fourth bedroom, home office, or fitness room. The lower level also has a wet bar with a mini refrigerator (2026), full bath, laundry, multiple closets, and a large storage room. Additional improvements include a new HVAC air conditioning system (2025) and an 80 gallon water heater. In 2017, the owner completed extensive exterior and energy-efficiency upgrades including a 40-year roof, replacement skylights and front windows, composite siding and trim, upgraded insulation, and the addition of a thermal break resulting in approximately R-20 wall and R-50 attic insulation. This is an impressively energy-efficient and well-constructed home. Parking is plentiful with an attached one-car garage (new epoxy floor 2026), driveway, and ample guest parking throughout the community. Residents of Riva Trace enjoy amenities including a community dock on Gingerville Creek, kayak racks, tennis courts, walking trails, a playground, and beautifully maintained common grounds. This is an opportunity to own one of the townhomes backing to the woods and creek in this attractive community, just minutes from Historic Annapolis and convenient to Washington, D.C., and Baltimore. Open Houses scheduled for August 8 and 9.

Getting Around

2
WalkingCar-Dependent
19
TransitMinimal Transit
8
BikeSomewhat Bikeable

Schools

5/10
5/10
Annapolis High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: HardiPlank Type

Notable Dates

  • Major remodel year: 2015

Type & Style

  • Home type: Townhouse
  • Architectural style: Contemporary
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Microwave,Built-In Range,Dishwasher,Refrigerator,Stainless Steel Appliance(s),Washer,Dryer,Electric Water Heater
  • Laundry features: In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Exterior Entry,Partially Finished,Walk-Out Access

Bedrooms & Bathrooms

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

Breakfast Room

  • Level: Main

Dining Room

  • Level: Main

Family Room

  • Level: Lower

Features

  • Central Vacuum,Combination Dining/Living,Open Floorplan,Upgraded Countertops,High Ceilings
  • Window features: Skylight(s)
  • Flooring: Hardwood,Carpet,Tile/Brick,Wood
  • Number of fireplaces: 2
  • Fireplace features: Double Sided,Glass Doors,Gas/Propane,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 689
  • Finished area above ground: 2,038

Heating & Cooling

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

Interior Area

  • Total structure area: 2,940
  • Total interior livable area: 2,727 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Level: Main

Sitting Room

  • Level: Upper

Storage Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 020265590048734
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Screened,Deck
  • Has view: Yes
  • View description: Trees/Woods
  • Waterfront features: Private Access,Canoe/Kayak
  • Waterbody name: Ginger Creek

Lot

  • Lot size: 2,618 sqft

Parking

  • Total spaces: 3
  • Parking features: Garage Faces Front,Concrete,Attached,Driveway,Off Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Winter Weather
Coastal Flooding
Hail
Hurricane
Heat Wave
Strong Wind
Tornado
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 $3,362$40,344
Home Insurance *$166$1,992
Property Taxes $665$7,980
Electricity $347$4,169
Total$4,540$54,480
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,657/yr
40% on housing$136,200/yr
45% on housing$121,066/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

$244This listing

vs Other Active Listings

Avg $/sqft

ZIP 21401$357
Anne Arundel County$251

vs Homes Sold Last Month

Median $/sqft

ZIP 21401$326
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)

No zestimate history available

Price History

DateEventPrice
2026-08-17Pending sale$665,000
2026-08-12Contingent$665,000
2026-08-07Listed for sale$665,000
2014-09-29Sold$2,500
2014-08-12Listed for sale$2,500
2004-11-09Sold$440,000
2001-11-30Sold$325,000

For Sale by Agent

AgentSarah Greenlee Morse
BrokerageTTR Sotheby's International Realty

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