




3728 Ramsgate Dr, Annapolis, MD, 21403
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
Schools
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
- Winter Weather
- Heat Wave
- Lightning
- Strong Wind
- 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 | $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 |
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 |
|---|---|---|
| 2026-06-17 | Listed for sale | $6,995,000 |
| 2016-02-01 | Sold | $1,875,000 |
| 2013-11-11 | Listing removed | $1,990,000 |
| 2013-06-29 | Listed for sale | $1,990,000 |
