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38 Heritage Ct, Annapolis, MD, 21401

2beds
2baths
960sqft
$265,000
$276price/sqft
$2,006/moest. monthly cost
$80,240/yrincome needed

About This Home

**Welcome to 38 Heritage Court** – a beautifully updated 2-bedroom, 1.5-bath townhome offering stylish finishes, functional living spaces, and low-maintenance living. Step inside to a welcoming main level featuring a stunning custom accent wall in the living room and an impressive custom media wall complete with a built-in TV area and sleek electric fireplace—the perfect focal point for relaxing or entertaining. The convenient main-level half bath adds everyday functionality, while the kitchen offers easy access to the laundry area, making household tasks effortless. Upstairs, you'll find two comfortable bedrooms and a full bathroom, providing a private retreat at the end of the day. Outside, enjoy the added bonus of a rear storage area, offering plenty of space for seasonal items, tools, or outdoor equipment. With thoughtful custom upgrades, modern touches, and a practical layout, this move-in-ready home is the perfect combination of comfort, style, and convenience.

Getting Around

59
WalkingSomewhat Walkable
37
TransitSome Transit
72
BikeVery Bikeable

Schools

7/10
5/10
5/10
Annapolis High SchoolGrades 9-122.7 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1973

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Dual Flush Toilets,Oven/Range - Electric,Refrigerator,Stainless Steel Appliance(s),Cooktop,Washer,Electric Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Bathroom - Tub Shower,Family Room Off Kitchen,Floor Plan - Traditional,Kitchen - Gourmet,Kitchen - Table Space,Recessed Lighting,Upgraded Countertops
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 960

Heating & Cooling

  • Heating features: Forced Air,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 960
  • Total interior livable area: 960 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 020636090028552
  • Zoning: R3
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community

Parking

  • Parking features: Parking Lot

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

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

How This Home’s Risks Compare

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 $1,339$16,068
Home Insurance *$66$792
Property Taxes $320$3,840
Electricity $281$3,374
Total$2,006$24,072
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,777/yr
40% on housing$60,180/yr
45% on housing$53,493/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

$276This listing

vs Other Active Listings

Avg $/sqft

ZIP 21401$359
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)

Price History

DateEventPrice
2026-07-26Listed for sale$265,000
2006-12-11Sold$225,000
2005-12-29Sold$199,000
2005-10-06Sold$105,000
1999-09-02Sold$74,900

For Sale by Agent

AgentOlga Kogan
BrokerageAllfirst Realty, Inc.

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