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3728 Ramsgate Dr, Annapolis, MD, 21403

4beds
6baths
5,771sqft
$6,995,000
$1,212price/sqft
$42,177/moest. monthly cost
$1,687,080/yrincome needed

About This Home

Set on a spectacular point of land where the South River meets the Chesapeake Bay, this extraordinary waterfront estate captures some of the most breathtaking views in Annapolis. With coveted southern exposure, the property is immersed in sunlight from dawn to dusk, creating an ever-changing backdrop of sparkling water, passing sailboats, and panoramic Chesapeake vistas. Completely reimagined in 2017 by renowned architect Cathy Purple Cherry, this residence was rebuilt and renovated to an exceptional standard, blending timeless coastal architecture with modern luxury and uncompromising construction quality. Spray-foam insulated walls and roof, steel reinforcement, double plywood construction, four-zone HVAC with humidifiers, gas backup heat, tankless propane water heaters, water treatment systems, generator backup, Sonos audio, and Lutron lighting create a home that is as efficient and functional as it is beautiful. Designed for both grand-scale entertaining and comfortable everyday living, the interior offers over-the-top craftsmanship and thoughtful details throughout. Maple hardwood flooring flows through elegant yet inviting spaces including a dramatic waterfront living room with a custom wet bar, an informal gathering room with built-in bookshelves, a private office with custom cabinetry, wet bar, balcony, and commanding views stretching down the Chesapeake Bay, and a state-of-the-art theater room complete with its own wet bar, refrigerator, and ice maker. The chef’s kitchen is a masterpiece featuring double Wolf ovens, Wolf cooktop, Sub-Zero refrigerator, three dishwashers, wine cooler, ice maker, built-in microwave, instant hot water, walk-in pantry with custom built-ins, and a sun-filled breakfast nook overlooking the water. The luxurious primary suite serves as a private waterfront retreat, highlighted by a stunning spa bath finished with Italian water-cut marble. Three additional bedrooms feature ensuite baths, while a full bath on the main level conveniently serves the pool and outdoor entertaining areas. Outdoor living rivals the finest resorts. Expansive Ipe decking surrounds a heated PebbleTec pool and spa, complemented by an outdoor kitchen, fire pit, integrated sound system, and extensive landscape lighting. The private pier is equipped with water, electric, approximately 4 feet of MLW, a 12,000-pound boat lift, an 8,500-pound boat lift, and a 1,500-pound personal watercraft lift, providing immediate access to the Chesapeake Bay and beyond. Offering 4 bedrooms, 5 full baths, 1 half bath, a dedicated office, and a deep four-car garage, this is a rare opportunity to own one of Annapolis’ premier waterfront properties in a setting where extraordinary architecture, unmatched craftsmanship, and world-class outdoor living come together on the shores of the Chesapeake.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
24
BikeSomewhat Bikeable

Schools

9/10
4/10
Annapolis Middle SchoolGrades 6-83.5 mi
5/10
Annapolis High SchoolGrades 9-126.3 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1987

Materials

  • Foundation: Other
  • Construction materials: HardiPlank Type,Other

Notable Dates

  • Major remodel year: 2017

Other

  • Builder model: South River Waterfront

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Cooktop,Dishwasher,Disposal,Exhaust Fan,Humidifier,Ice Maker,Instant Hot Water,Double Oven,Refrigerator,Six Burner Stove,Stainless Steel Appliance(s),Washer,Water Conditioner - Owned,Washer/Dryer Stacked,Tankless Water Heater,Dryer,Water Treat System,Water Heater
  • Laundry features: Main Level,Upper Level,Washer In Unit

Basement

  • Area: 2446

Basement

  • Has basement: Yes
  • Basement: Garage Access,Interior Entry,Partially Finished,Sump Pump,Windows,Other,Side Entrance

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2

Features

  • Air Filter System,Attic,Bar,Bathroom - Walk-In Shower,Breakfast Area,Built-in Features,Butlers Pantry,Ceiling Fan(s),Combination Kitchen/Living,Crown Molding,Dining Area,Family Room Off Kitchen,Open Floorplan,Eat-in Kitchen,Kitchen - Gourmet,Kitchen Island,Pantry,Primary Bath(s),Primary Bedroom - Bay Front,Recessed Lighting,Sound System,Store/Office,Upgraded Countertops,Walk-In Closet(s),Other
  • Window features: Window Treatments
  • Flooring: Hardwood,Tile/Brick,Other,Carpet,Wood
  • Number of fireplaces: 2
  • Fireplace features: Wood Burning,Other,Gas/Propane
  • Fireplace: Yes
  • Finished area below ground: 570
  • Finished area above ground: 5,201

Heating & Cooling

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

Interior Area

  • Total structure area: 7,647
  • Total interior livable area: 5,771 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 020290901414983
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Four
  • Stories: 4
  • Private pool: Yes
  • Pool features: Black Bottom,In Ground,Other,Private
  • Patio & porch: Deck,Patio,Porch
  • Exterior features: Awning(s),Barbecue,Bump-outs,Extensive Hardscape,Lighting,Flood Lights,Rain Gutters,Lawn Sprinkler,Stone Retaining Walls,Other,Balcony
  • Has spa: Yes
  • Spa features: Bath,Private,Hot Tub
  • Has view: Yes
  • View description: Water,River,Bay,Scenic Vista,Creek/Stream,Other
  • Has water view: Yes
  • Water view: Water,River,Bay,Creek/Stream
  • On waterfront: Yes
  • Waterfront features: Private Dock Site,Rip-Rap,River,Boat - Powered,Canoe/Kayak,Fishing Allowed,Personal Watercraft (PWC),Private Access,Waterski/Wakeboard,Swimming Allowed
  • Waterbody name: South River
  • Frontage length: Water Frontage Ft: 130

Lot

  • Lot size: 0.51 Acres
  • Features: Bulkheaded,Cul-De-Sac,Landscaped,Premium,Fishing Available,Rip-Rapped,Other,Stream/Creek,Poolside,Front Yard

Parking

  • Total spaces: 8
  • Parking features: Garage Faces Front,Garage Door Opener,Basement,Oversized,Other,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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 $35,370$424,440
Home Insurance *$1,665$19,980
Property Taxes $4,407$52,884
Electricity $735$8,823
Total$42,177$506,124
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,446,068/yr
40% on housing$1,265,310/yr
45% on housing$1,124,720/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

$1,212This listing

vs Other Active Listings

Avg $/sqft

ZIP 21403$315
Anne Arundel County$250

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
2026-06-17Listed for sale$6,995,000
2016-02-01Sold$1,875,000
2013-11-11Listing removed$1,990,000
2013-06-29Listed for sale$1,990,000

For Sale by Agent

AgentBrad Kappel
BrokerageTTR Sotheby's International Realty

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