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14 E Lake Dr, Annapolis, MD, 21403

5beds
7baths
6,234sqft
$3,997,000
$641price/sqft
$24,387/moest. monthly cost
$975,480/yrincome needed

About This Home

Bay Ridge Waterfront! Built by Pilli Custom Homes and beautifully curated by Erin Paige Pitts Interiors, this exceptional waterfront residence blends timeless architecture, impeccable craftsmanship, and extraordinary attention to detail. Rich custom millwork, extensive crown molding, elegant wainscoting, and coffered ceilings create an atmosphere of refined luxury throughout. A welcoming bluestone walkway and front porch opens to the foyer, while a dramatic circular foyer at the foot of the staircase serves as the heart of the home, seamlessly connecting the formal dining room, elegant club room, and expansive kitchen and family room. Designed for effortless entertaining and everyday living, the chef's kitchen opens to the spacious family room featuring coffered ceilings and a striking fireplace. Just beyond, the waterside deck expands the living space with a swim spa, outdoor kitchen, and an exterior half bath, thoughtfully positioned so guests coming from boating, swimming, or relaxing by the water never need to enter the home. These exceptional amenities create the perfect setting for entertaining while embracing the waterfront lifestyle. Off the 2-car garage, the thoughtfully designed mudroom offers a built-in workspace, abundant storage, and a convenient powder room. A private main-level guest suite with an ensuite bath provides ideal accommodations for guests or multigenerational living. The upper level offers four spacious bedrooms, including two with private ensuite baths, while two additional bedrooms share a beautifully appointed bath. One bedroom has been transformed into a custom dressing room and can easily be converted back if desired. A large bonus room above the garage, complete with its own powder room, provides endless flexibility as a media room, playroom, home gym, or studio. The luxurious primary suite is a true retreat, featuring sweeping Lake Ogleton views from its wraparound balcony, a private office, spacious walk-in closet, and a spa-inspired bath with heated floors, soaking tub, oversized walk-in shower with built-in bench, and designer finishes. The top level is designed for entertaining with an expansive recreation room and a dramatic spiral staircase leading to one of the home's most remarkable features, a private rooftop deck perched among the highest elevations in Bay Ridge, offering breathtaking panoramic views and the perfect setting for morning coffee, sunset cocktails, or evening stargazing. Outside, the waterfront experience is equally impressive with a newly constructed pier featuring upgraded electrical service, LED lighting, three boat lifts, including an impressive 40,000-pound lift, and convenient waterside shed, providing exceptional accommodations for a variety of vessels and effortless access to the Chesapeake Bay. Bay Ridge offers an unmatched waterfront lifestyle with a community pool and clubhouse overlooking the Chesapeake Bay, sandy beaches on both the Bay and the river, a marina with a newly renovated clubhouse, playgrounds, basketball courts, ball fields, and miles of scenic waterfront roads for walking and biking. An active social calendar and year-round events make Bay Ridge one of Annapolis' most sought-after communities. Just minutes from Historic Downtown Annapolis and Eastport, enjoy award-winning restaurants, boutique shopping, marinas, and waterfront parks, with convenient access to Routes 50 and 97 for commuting to Baltimore, BWI Airport, Fort Meade/NSA, Washington, D.C., or Maryland's Eastern Shore. Welcome Home!

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
26
BikeSomewhat Bikeable

Schools

4/10
Annapolis Middle SchoolGrades 6-82.9 mi
5/10
Annapolis High SchoolGrades 9-126.0 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 2007

Materials

  • Foundation: Crawl Space
  • Construction materials: Combination,Stone,Cedar

Other

  • Builder model: Lake Ogleton Waterfront

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Exhaust Fan,Oven/Range - Gas,Range Hood,Refrigerator,Six Burner Stove,Washer,Water Conditioner - Owned,Water Heater,Water Treat System,Electric Water Heater
  • Laundry features: Upper Level

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 7
  • Full bathrooms: 4
  • 1/2 bathrooms: 3
  • Main level bathrooms: 3
  • Main level bedrooms: 1

Features

  • Built-in Features,Crown Molding,Curved Staircase,Entry Level Bedroom,Family Room Off Kitchen,Open Floorplan,Formal/Separate Dining Room,Kitchen - Gourmet,Kitchen Island,Primary Bath(s),Primary Bedroom - Bay Front,Pantry,Recessed Lighting,Upgraded Countertops,Walk-In Closet(s),High Ceilings,9'+ Ceilings,Tray Ceiling(s)
  • Window features: Window Treatments
  • Flooring: Hardwood,Carpet,Ceramic Tile,Wood
  • Number of fireplaces: 2
  • Fireplace features: Gas/Propane,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 6,234

Heating & Cooling

  • Heating features: Forced Air,Programmable Thermostat,Radiant,Zoned,Geothermal
  • Cooling features: Central Air,Ceiling Fan(s),Geothermal,Programmable Thermostat,Zoned,Electric

Interior Area

  • Total structure area: 6,234
  • Total interior livable area: 6,234 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 020204700393400
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: Community
  • Patio & porch: Deck,Wrap Around,Porch,Roof,Roof Deck
  • Exterior features: Barbecue,Bump-outs,Extensive Hardscape,Lighting,Underground Lawn Sprinkler,Balcony
  • Has spa: Yes
  • Spa features: Bath,Hot Tub
  • Has view: Yes
  • View description: Garden,Lake,Panoramic,Scenic Vista,Water
  • Has water view: Yes
  • Water view: Lake,Water
  • On waterfront: Yes
  • Waterfront features: Private Dock Site,Boat - Powered,Canoe/Kayak,Fishing Allowed,Personal Watercraft (PWC),Private Access,Swimming Allowed,Waterski/Wakeboard,Lake
  • Waterbody name: Lake Ogleton
  • Frontage length: Water Frontage Ft: 80

Lot

  • Lot size: 0.54 Acres
  • Features: Front Yard,Landscaped,Level,Premium,Rear Yard

Parking

  • Total spaces: 6
  • Parking features: Garage Faces Front,Garage Door Opener,Storage,Inside Entrance,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 $20,211$242,532
Home Insurance *$951$11,412
Property Taxes $2,431$29,172
Electricity $794$9,531
Total$24,387$292,644
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$836,125/yr
40% on housing$731,610/yr
45% on housing$650,320/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

$641This listing

vs Other Active Listings

Avg $/sqft

ZIP 21403$323
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
2026-08-07Listed for sale$3,997,000
2019-09-10Sold$2,670,000
2019-08-31Pending sale$2,800,000
2019-08-31Listed for sale$2,800,000
2017-07-18Listing removed$3,000,000
2017-04-12Listed for sale$3,000,000
2005-03-24Sold$1,055,000

For Sale by Agent

AgentBrad Kappel
BrokerageTTR Sotheby's International Realty

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