Seize this incredible opportunity to build your dream custom waterfront home on the highly sought-after, protected Aberdeen Creek. Contact us now to walk this homesite and tour the decorated model home. Nestled next to the renowned Great Frog Vineyard, this luxurious property offers unparalleled features and breathtaking views. The main level boasts soaring 10-foot ceilings, exposed beams, and wide plank floors, creating a spacious and inviting atmosphere. The gourmet kitchen is a chef’s dream, featuring built-in cabinetry, sleek quartz countertops and backsplash, a generous island, double ovens, a gas cooktop, and a walk-in pantry. The kitchen seamlessly flows into the dining area, with large windows and glass doors that frame stunning views of the creek. Step outside to a covered patio, perfect for outdoor entertaining, located just off the dining and family room. Upstairs, the expansive primary suite offers panoramic water views through large windows. The spa-like primary bathroom includes a freestanding tub, oversized shower, water closet, and a walk-in closet. This level also features three additional spacious bedrooms, two full bathrooms, and a convenient laundry room. The finished lower level includes a fifth bedroom, a full bathroom, and a large recreation room, providing plenty of space for guests or family activities. Situated on a private 1.12-acre lot with approximately 109 feet of pristine waterfrontage, this property has the ideal depth for a private pier to accommodate your boat. Experience ultimate privacy, luxury, and waterfront living all in one. Appointments are required for a private showing—please contact the listing agent for details and don’t miss out on this once-in-a-lifetime opportunity!
Property Details
Property Features
Property Information:
Architectural Style: Coastal
Year Built: 2025
Stories: 3
Listing Office:
Office Name: Long & Foster Real Estate, Inc.
Office Phone: (410) 224-0600
Listing Agent: Colleen M Smith
Interior Features
Interior Information:
Appliances: Microwave, Range, Cooktop, Dishwasher, Exhaust Fan, Oven, Range Hood, Refrigerator, Stainless Steel Appliances, Water Heater
This property is $3.3M more than the Median Sold Price in Annapolis, MD.
Based on homes sold in the last 12 months
MLS Details
MLS Information:
MLS Name: BRIGHT
MLS Number: #MDAA2096726
Listing Office:
Office Name: Long & Foster Real Estate, Inc.
Office Phone: (410) 224-0600
Listing Agent: Colleen M Smith
Information Deemed Reliable But Not Guaranteed. The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which participates, and is provided by BRIGHT through a licensing agreement.
The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on this website may no longer be available because they are under contract, have sold or are no longer being offered for sale. Some real estate firms do not participate in IDX and their listings do not appear on this website. Some properties listed with participating firms do not appear on this website at the request of the seller. This home sale information is not to be construed as an appraisal and may not be used as such for any purpose.
We're sorry, we currently don't have sales or tax history data for this listing.
Payment Calculator
Calculate your estimated monthly expenses for this listing. Play with the values below to better understand your monthly payment and utilities.
$20K
Per Month
Principal & Interest
$19.9K
Home PriceThe dollar amount you pay for the home.
$
Interest RateMortgage interest rates fluctuate, but they're typically in the 5% to 9% range. Your rate will be calculated based on personal details including your credit score.
%
Down PaymentThe initial money paid at closing that is usually a percentage of the purchase price. Most loans require at least 3% down, but a 0% down payment may be possible if you're eligible for a VA or USDA loan.
$%
Loan TermThis is how long you'll pay on the loan. A longer term gives you smaller payments, while a shorter term saves you money on interest.
Property Taxes
$0
Property Taxes -Annual CostEvery homeowner pays taxes to their local government based on their home's value and the property tax rates for the county or city. Most areas charge property taxes semiannually.
$/ Year
Mortgage Insurance
$0
Mortgage Insurance -Monthly PremiumMortgage insurance helps secure a mortgage with a lower down payment. It typically costs 0.1% - 2% of your loan amount per year.
$/ Month
Homeowners Insurance
$67
Homeowners Insurance -Monthly PremiumMost homeowners pay about $1,000 a year for homeowners insurance, but the cost varies based on your location, home and coverage.
$/ Month
Homeowners Association (HOA)
$0
Homeowners Association -Monthly FeesHomeowners Association (HOA) fees can range from $30 per month to $500+ per month. Be sure to ask your agent about HOA fees on a home as it can impact your affordability or check the online home listing.
$/ Month
Utilities
$0
Utilities - Monthly CostYou'll need to budget for utilities as a homeowner, which typically includes water and sewer, gas and electric, internet and cable. Cost will depend on your location and the size of your home. On a monthly basis, Americans pay $239 - $442 per month.
$/ Month
Recommended Financing
30-Year Fixed
Rate/APR
7.5% / 6.68%
Total Monthly Payment
$12K
Powered By
Advertisement
NMLS#3030
Schools
Schools Nearby
The school rating is a score out of 10, where 10 is the highest and 1 is the lowest. Assigned schools have a bold outline.
We're sorry, we currently don't have assigned school data for this listing.
Nearby Schools
7
/10
Hillsmere Elementary School
3052 Arundel on the Bay Rd
Distance between this listing and this school1.61 miles
Public District Grades PK-5
2
/10
Tyler Heights Elementary School
200 Janwall St
Distance between this listing and this school1.78 miles
Public District Grades PK-5
4
/10
Georgetown East Elementary School
111 Dogwood Rd
Distance between this listing and this school2.01 miles
Public District Grades PK-5
Nearby Schools
2
/10
Annapolis Middle School
1399 Forest Dr
Distance between this listing and this school1.75 miles
Public Magnet Grades 6-8
8
/10
Central Middle School
221 Central Ave E
Distance between this listing and this school2.45 miles
Public Magnet Grades 6-8
5
/10
Wiley H. Bates Middle School
701 Chase St
Distance between this listing and this school2.77 miles
Public Magnet Grades 6-8
Nearby Schools
3
/10
Annapolis High School
2700 Riva Rd
Distance between this listing and this school3.96 miles
Public Magnet Grades 9-12
1
/10
Anne Arundel Evening High School
60 Robinson Rd
Distance between this listing and this school10.20 miles
Public District Grades 9-12
8
/10
Chesapeake High School
4798 Mountain Rd
Distance between this listing and this school12.61 miles
The neighbors living near this home have an average income of $123,343. The most common annual income of people living in Annapolis, MD is between $100k-200k. The most common type of family is married, no kids. The majority of residents in this area have post secondary degree education.
All data provided by Home Junction and Claritas
Frequently Asked Questions About 3178A Harness Creek Rd
What is the listing price of this property?
The listing price of 3178A Harness Creek Rd property is $3,995,000.
What type of property is this?
The property 3178A Harness Creek Rd is a house located in Annapolis, Maryland, 21403.
Is this property for sale now?
Active Listing: 3178A Harness Creek Rd is For Sale (Active/New) which means the seller is accepting offers.
How many bedrooms and bathrooms does this property have?
The property at 3178A Harness Creek Rd has 6 bedrooms and 4 full and 1 half bathrooms.
What is the square footage of this property?
The sq. ft. of 3178A Harness Creek Rd is not available (source: MLS/tax record).
Which year was this property built?
The year of construction for 3178A Harness Creek Rd is 2025.
Interested in 3178A Harness Creek Rd? Let's connect.
By checking this box and submitting your personal information, you agree to our Terms of Use and Privacy Policy. You also expressly consent to having Rocket Homes Real Estate LLC, its Family of Companies, Rocket Homes Network Partners, and potentially our mortgage partners contact you about your inquiry by text message or phone (including automatic telephone dialing system, AI voice, or an artificial or prerecorded voice) to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any services from Rocket Homes Real Estate, LLC or its partners. By communicating with us by phone, you consent to calls being recorded and monitored. You also agree that we can share your personal data and contact information with third parties such as mortgage partners, partner companies, and affiliates, and that these parties may use your personal data and contact information for marketing and analytic purposes, and to improve your experience.
This home is located at 3178A Harness Creek Rd in Annapolis, MD and zip code 21403 in the Annapolis Neck neighborhood. This home, which was built in 2025, sits on a 1.12 acre lot. Features: 6 bedrooms, 5 bathrooms. It has been listed on Rocket Homes since October 16, 2024 and is currently priced at $3,995,000.
In October 2024 more than 37 listings in Annapolis, MD were sold above the asking price. During the same period more than 20 listings were sold at asking price, while more than 41 were sold below. In October 2024 in Annapolis, MD there were 7% more homes for sale than in September 2024. In October 2024, listings were on the market for 32 days. During the same period, the median list price in this real estate market was $600,000.
From Rocket Homes Real Estate and based on county public records data.
Information Deemed Reliable But Not Guaranteed. The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which participates, and is provided by BRIGHT through a licensing agreement. 
Men's Tennis
Men's Tennis
Skiing/snowboarding
Bloomingdales
Nordstrom
IKEA
Bonefish Grill
California Pizza Kitchen
Chipotle
Lexus
BMW
Jeep
News
Talk/Personality
Alternative