Annapolis Homes under $400,000

Annapolis Homes under $400,000

Welcome to Annapolis, Maryland—a charming city steeped in history and brimming with coastal allure. Nestled along the shores of the Chesapeake Bay, Annapolis is not just the state capital; it’s a vibrant community that captures the essence of waterfront living. Known for its picturesque streets, historic architecture, and the prestigious United States Naval Academy, this city offers a unique blend of culture, recreation, and education.

For those seeking affordable housing options, Annapolis has a delightful surprise: homes under $400,000 can be found throughout this enchanting city. Whether you’re a first-time homebuyer, a retiree looking to downsize, or anyone in between, there are charming residences that cater to a variety of lifestyles. From quaint townhomes to cozy single-family houses, these properties often feature character-rich details and easy access to the city’s many amenities.

Imagine waking up to the gentle sounds of the bay, exploring the vibrant downtown area with its eclectic shops and eateries, or enjoying a leisurely stroll along the waterfront. Annapolis is a city that invites you to embrace the outdoors, whether it’s sailing, biking, or simply enjoying the scenic parks and historic sites.

With its rich maritime heritage, friendly community, and affordable housing options, Annapolis is not just a place to live; it’s a place to thrive. Come discover your dream home in this captivating city where history meets modern living, all while staying within your budget!

Newest Annapolis Homes under $400,000

2711 Summerview Way Unit 203, Annapolis
$385,000
2 Beds ⋅ 2 Baths
Beautiful 2-Bed, 2-Bath Condo with Water Access in Annapolis! Welcome home to this beautifully updated 2-bedroom, 2-bathroom condo in the sought-after Riva Trace! Step inside to discover a bright and airy open floor plan with fresh neutral paint, luxury vinyl plank flooring, and modern fixtures throughout. The spacious living room features a cozy fireplace and direct access to light-filled sunroom, perfect for morning coffee or evening relaxation. The renovated kitchen is a chef’s dream with white shaker cabinets, quartz countertops, stainless steel appliances, and a breakfast bar overlooking the dining area—ideal for entertaining. The primary suite boasts a large walk-in closet, a beautifully updated ensuite bath with a dual vanity, and access to the balcony. A second generously sized bedroom and a stylishly renovated full bath complete the home. Enjoy low-maintenance living with fantastic community amenities, including water access, tennis courts, a playground, and walking trails. Conveniently located just minutes from downtown Annapolis, the Naval Academy, shopping, dining, and major commuter routes, this condo is a rare find!

2711 Summerview Way Unit 203, Annapolis

Listing courtesy of Monument Sotheby's International Realty. Contact:

1045 Cedar Ridge Ct, Annapolis
$399,900
3 Beds ⋅ 3 Baths
COMPLETELY RENOVATED & MOVE-IN READY IN CEDAR RIDGE! After 30 years of thoughtful ownership and meticulous care, this beautifully updated 3-bedroom, 2½-bath townhouse is ready for its next chapter. The pride of ownership is evident throughout, with updates made over the years and the home continually improved and maintained. The improvements begin with replacement windows installed in 2000 and continue to today with a beautifully updated kitchen featuring newer cabinetry, countertops, and appliances. All three bathrooms have been updated, and the HVAC system and hot water heater have both been replaced within the past four years. One of the home's standout features is the incredible amount of storage. The current owner made exceptional use of The Container Store's organizing systems throughout the home, maximizing virtually every inch of available space. Even the full-size stacked washer and dryer provide additional room and functionality. One bedroom is currently being used as a home office and features a Murphy bed that easily accommodates overnight guests. Step through the kitchen's sliding glass door and you'll discover a completely private, fenced rear yard with a beautiful patio—perfect for grilling, entertaining, or simply enjoying your own outdoor space. The kitchen's location directly off the patio makes indoor/outdoor entertaining easy. And then there's Cedar Ridge! Enjoy the convenience of an HOA that takes care of the exterior maintenance, including the roof and siding, helping provide greater predictability for homeowners. The community also offers a swimming pool and Tot Lot. Best of all, you're within walking distance of Eastport and downtown Annapolis, with its wonderful restaurants, shops, waterfront, and everything that makes the Annapolis lifestyle so special. This is a home that has been lovingly cared for, thoughtfully updated, and designed for comfortable living. Truly move-in ready—just unpack and enjoy! Schedule your private showing today. This one won't last long!

1045 Cedar Ridge Ct, Annapolis

Listing courtesy of Academy Realty Inc.. Contact:

71 Harbour Hts Unit 71, Annapolis
$399,000
3 Beds ⋅ 3 Baths
Welcome to 71 Harbour Heights Drive, a well-appointed 3-bedroom, 2.5-bath home offering comfortable living in an incredibly convenient Annapolis location. The eat-in kitchen features granite countertops, a newer farmhouse-style sink, and refrigerator, stove, and microwave, with easy access to a private balcony—perfect for enjoying your morning coffee or a little fresh air. On cooler days, you can warm the kitchen with your gas fireplace. Upstairs, the spacious primary suite features a vaulted ceiling with ceiling fan, walk-in closet, and en suite bath with a double vanity. Two additional bedrooms, a full bath, and a conveniently located washer and dryer complete the bedroom level. Fantastic storage is available throughout the home, including a large coat closet at the entry and another large, deep closet on the main living level. In addition, a ground-level storage area provides plenty of room for bikes, paddle boards, trash cans, outdoor gear, and more—an especially useful bonus for an Annapolis lifestyle. Located just off Bestgate Road, this home is just minutes from Downtown Annapolis. The home also offers easy access to Trader Joe’s, Safeway, Annapolis Mall, shopping, dining, coffee shops, professional services, and major commuter routes. Sidewalks throughout the area add to the neighborhood’s walkability, putting everyday conveniences close at hand. A great opportunity to enjoy low-maintenance living with easy access to everything Annapolis has to offer.

71 Harbour Hts Unit 71, Annapolis

Listing courtesy of Engel & Volkers Annapolis. Contact:

30 Hearthstone Ct Unit G, Annapolis
$299,000
2 Beds ⋅ 2 Baths
Welcome home to this beautiful 2-bedroom, 2-bath home—the largest model in Annapolis Overlook! This bright spacious residence features an open concept layout, high ceilings, crown molding, abundant natural light, and a cozy two-sided wood-burning fireplace. The show stopping remodeled kitchen is designed for cooking and entertaining, featuring a stunning 6 foot quartz island, open shelving, ample cabinetry and storage, and generous workspace. It flows seamlessly into the oversized dining and living areas, creating the perfect gathering space. The primary suite offers high ceilings, plush carpeting, a walk-in closet with a professional organizer, and an en suite bath with a soaking tub. The second bedroom is filled with natural light and includes its own full en suite bath. Enjoy peaceful wooded views from your private balcony, plus an in-home washer and dryer and ample storage throughout. Community amenities include a pool, fitness center, two assigned parking spaces, exterior maintenance, lawn care, trash, and snow removal. Conveniently located just minutes from Downtown Annapolis, Quiet Waters Park, shopping, and major commuter routes. This is a must see property! Schedule your tour today!

30 Hearthstone Ct Unit G, Annapolis

Listing courtesy of Keller Williams Flagship. Contact:

40 Ironstone Ct Unit B, Annapolis
$335,000
3 Beds ⋅ 3 Baths
Nestled in the charming and convenient Annapolis Overlook community, this inviting townhouse offers a perfect blend of comfort and investment potential. This traditional-style townhome boasts 1,694 square feet of thoughtfully designed living space, making it an ideal choice for both homeowners and savvy investors looking to capitalize on a desirable rental market. Step inside to discover a warm, welcoming interior with an open floor plan that seamlessly connects the kitchen and dining areas. Brand-new luxury vinyl plank flooring highlights the combined living, kitchen, and dining spaces, making it perfect for entertaining with a touch of modern elegance. The kitchen also offers ample table space, making it a cozy spot for casual meals. The home features three spacious bedrooms, including a primary suite that encompasses the entire third floor, with a luxurious walk-in closet and an en-suite bathroom. Additional highlights include a laundry room, a second-floor bathroom, updated lighting, ceiling fans for added comfort, and plush carpeting that enhances the inviting atmosphere throughout. The stainless steel refrigerator and gas range, washer, dryer, carpet, and heat pump have all been updated within the past 5 years. The home has a brand-new storm door and bay window at the front of the house). Homeowners and investors will appreciate the low-maintenance lifestyle this property offers, with an association fee that includes lawn maintenance and snow removal. The community amenities include outdoor common grounds, a refreshing pool, and a fitness center. Parking is hassle-free with two parking permits included -one parking place is assigned and located directly in front of the townhome. An additional car can be parked (with permit), in the "Permit Required" spaces. The community's prime location (close proximity to Quiet Waters Park, Downtown Annapolis, the US Naval Academy, and shopping) ensures easy access to local amenities and attractions. Whether you're looking to buy or invest, this Annapolis Overlook property is a fantastic opportunity. With its blend of modern features, community amenities, and strategic location, it stands ready to deliver both comfort and value for years to come. Don't miss your chance to purchase this delightful home!

40 Ironstone Ct Unit B, Annapolis

Listing courtesy of RE/MAX One. Contact:

2026 Gov Thomas Bladen Way Unit 204, Annapolis
$329,000
2 Beds ⋅ 2 Baths
BUYERS—LOWER YOUR MONTHLY PAYMENT! Seller is willing to consider contributing toward a temporary interest-rate buydown with an acceptable offer, potentially giving you a lower mortgage payment during the first years of homeownership. Ask your agent for details! Location, convenience, and peaceful surroundings come together in this well-maintained two-bedroom, two-full-bath condo. This unique end unit offers added privacy and relaxing views from the deck overlooking a wooded area and nearby walking path. Inside, the home provides a clean, neutral canvas ready for its next owner to personalize. The kitchen flooring and carpeting are only a few years old, and both the HVAC system and water heater have been updated in recent years. Ideally situated just minutes from downtown Annapolis, with quick access to Route 50 for convenient travel toward Washington, D.C., Baltimore, and the surrounding area. Whether you’re commuting, exploring downtown, or simply enjoying the quiet wooded setting, this condo offers an excellent combination of comfort and location.

2026 Gov Thomas Bladen Way Unit 204, Annapolis

Listing courtesy of Taylor Properties. Contact:

311 Sloping Woods Ct, Annapolis
$399,500
3 Beds ⋅ 4 Baths
Nestled in the serene community of Whispering Woods, this charming townhouse offers a perfect blend of comfort and functionality. Built in 1991, this well-maintained home boasts 1,672 square feet of inviting living space, ideal for creating lasting memories. Step inside to discover a warm and welcoming interior featuring a harmonious mix of engineered wood and neutral, freshly-painted interiors. Equipped with newer appliances and graced by maple cabinetry, recessed lighting and granite countertops, the kitchen is both practical and stylish. Newer deck overlooks a quite wooded area. Newer architectural-grade roof. The home features three generously sized bedrooms, providing ample space for relaxation and personalization. With two full bathrooms and two convenient half-bathrooms, morning routines will be a breeze. Owner's bedroom delights in an en-suite bath, dressing area and walk-in closet. Natural light floods the home through quality Andersen double-pane windows, a new front storm door, and new sliding glass doors, enhancing the inviting atmosphere and offering lovely views of the surrounding trees and woods. The full basement, complete with a connecting stairway and walkout level, presents endless possibilities. Whether you envision a bedroom, a cozy family room, a home office, or additional storage, this versatile space can be tailored to meet your needs and offers ample storage space and a workshop. The basement outside entrance opens up at grade, adding convenience, making it easy to enjoy the outdoors. The Whispering Woods community offers common grounds and tot lots/playgrounds, perfect for leisurely strolls or enjoying time outdoors. The association fee includes management, ensuring the community remains well-maintained and inviting. Parking is plentiful. The property sits on a lovely, landscaped 0.05-acre lot, providing a serene outdoor living space for gardening or relaxation. This townhouse is not just a house; it's a place to call home. With its blend of comfort, functionality, community amenities, and proximity to all major thoroughfares and the town of Annapolis, it's an exciting opportunity. Experience the tranquility of Whispering Woods and envision your future in this delightful residence.

311 Sloping Woods Ct, Annapolis

Listing courtesy of Coldwell Banker Realty. Contact:

631 Admiral Dr Unit 304, Annapolis
$329,900
2 Beds ⋅ 2 Baths
Welcome home to this beautifully maintained 2-bedroom, 2-bathroom condo in the desirable Admiral Reach at Harbor Gates community of Annapolis! Ideally situated just minutes from historic downtown Annapolis, the U.S. Naval Academy, Luminis Health Anne Arundel Medical Center, and major commuter routes including Route 50 and I-97, this inviting third-floor home offers the perfect blend of comfort, convenience, and low-maintenance living. Step inside to a bright and welcoming interior featuring a comfortable open layout with luxury vinyl tile and carpet flooring throughout. The updated kitchen is ready for everyday living and entertaining, featuring new countertops and stainless-steel appliances. Two spacious bedrooms and two full bathrooms provide flexibility for guests, roommates, or a work-from-home arrangement, while the in-unit laundry adds everyday convenience. Step outside onto the private covered balcony and enjoy your own outdoor retreat—perfect for morning coffee, an evening unwind, or simply enjoying the surrounding community. As a third-floor unit, the home offers an elevated perspective while providing the convenience of condo living. Harbor Gates offers an exceptional array of amenities designed to complement an active and social lifestyle. Residents enjoy access to a community swimming pool, exercise room, clubhouse, walking trails, basketball court, tennis courts, and pickleball courts. The combination of recreational amenities, convenient location, and low-maintenance living makes this community an outstanding place to call home. Whether you’re searching for a convenient primary residence, a low-maintenance second home, or an investment opportunity in the Annapolis market, 631 Admiral Drive offers an excellent combination of location, updates, outdoor living, and resort-style community amenities. Come see all this wonderful condo and community have to offer!

631 Admiral Dr Unit 304, Annapolis

Listing courtesy of Taylor Properties. Contact:

300 Hilltop Ln Unit 300E, Annapolis
$269,900
2 Beds ⋅ 2 Baths
This exceptional 2nd level unit, ideally located in North Green Condos offers a harmonious blend of contemporary design and modern amenities. Spanning 1,082 square feet, this well-maintained condo features two spacious bedrooms and two full bathrooms, including a primary bath with walk-in shower. The open floor plan enhances the living space, complemented by wood floors, dining room and a bright breakfast area that invites natural light. The kitchen is equipped with 42inch cabinets, stone countertops, and NEW stainless-steel appliances, including a built-in microwave, dishwasher, and electric oven/range, ensuring a seamless cooking experience. You will appreciate the new luxury carpet in bedrooms and fresh paint throughout. Additional conveniences include in-unit laundry washer and dryer, as well as a walk-in closet for ample storage. Residents can enjoy community amenities such as an outdoor pool, patio area, and beautifully maintained common grounds. The property is surrounded by sidewalks, public transport and fitness center amenities. Situated in a vibrant neighborhood, North Green Condos is conveniently located near shopping centers and local parks, providing recreational opportunities for outdoor enthusiasts. The community is well-served by public services, pet friendly, and is in proximity to schools and recreation facilities, making it a desirable location for those seeking a balanced lifestyle. The association fee covers essential services, including maintenance, building insurance, water/sewer and trash removal, ensuring worry-free living. This property represents an excellent opportunity for those seeking a modern, well-appointed home to enjoy the historic maritime experience of Annapolis. Just minutes from the United States Naval Academy and downtown city dock.

300 Hilltop Ln Unit 300E, Annapolis

Listing courtesy of Coldwell Banker Realty. Contact:

57 Gentry Ct, Annapolis
$309,900
3 Beds ⋅ 4 Baths
PRICE REDUCTION! Bring your vision and unlock the potential of this spacious three-level end-unit townhome in the sought-after community of The Gentry, just off Spa Road. Set amid a wooded landscape, the property features mature trees along the side and rear yard, with the community pool nestled down a small hill and a backdrop of additional trees beyond. This unique setting offers a wonderful sense of privacy and a peaceful backdrop while still being close to everything Annapolis has to offer. The home is being sold "as is" and requires repairs and updating. It is priced accordingly, offering an excellent opportunity for a buyer ready to bring their vision to life and build equity. The main level features hardwood flooring, full kitchen, convenient half bath, wood-burning fireplace, and a bright living area opening to a rear deck overlooking the natural surroundings and pool area; a perfect place to have your morning coffee to start your day. Upstairs, you'll find three bedrooms, including an owner’s suite with a private full bath, plus a full hall bath. The walkout lower level, while requiring renovation, includes a full bath, laundry area, ample storage space, and a partially finished living area. With its desirable end-unit location, spacious three-level layout, three bedrooms, three-and-a-half baths, outdoor spaces, and proximity to downtown Annapolis, this property offers an ideal canvas to create a home that reflects your own style!

57 Gentry Ct, Annapolis

Listing courtesy of Redfin Corp. Contact:

142 Georgetown Rd Unit 9, Annapolis
$285,000
3 Beds ⋅ 2 Baths
Move-in ready! Top-floor 3 bedroom, 2 bath condo in Fairwinds of Annapolis. This home offers low-maintenance living and an unbeatable location just minutes from Downtown Annapolis. This large floorplan home features a bright, open layout and a private balcony. The updated kitchen features a new flooring, countertop, gas cooking, ample cabinet storage, and a new refrigerator. Bathrooms have been refreshed with new flooring. The HVAC system was replaced in 2022, providing added peace of mind. The spacious primary bedroom offers a private full bath, while the two generously sized secondary bedrooms share an additional full bath. Enjoy the convenience of gas heating, hot water, and cooking, along with access to the community pool and tennis courts. Reserved off-street parking is available for a fee through the condo association. The location is hard to beat. Walking distance to grocery stores, coffee shops, and restaurants. Easy access to shopping, Downtown Annapolis, Eastport, the Naval Academy, and major commuter routes. Schedule a tour today!

142 Georgetown Rd Unit 9, Annapolis

Listing courtesy of Redfin Corp. Contact:

1133 Lake Heron Dr Unit 2B, Annapolis
$379,900
2 Beds ⋅ 2 Baths
BRAND-NEW HVAC SYSTEM—ONLY ONE MONTH OLD! Welcome to 1133 Lake Heron Drive, Unit 2B, a beautifully maintained second-level condo situated in one of the neighborhood’s most desirable locations. Tucked beside a large, open grassy field, this home offers a rare sense of privacy with peaceful views of nature from the side windows. Inside, you’ll find high-quality hardwood floors, a beautifully working wood-burning fireplace that creates a warm and inviting focal point, an updated kitchen, and marble bathroom sinks. Enjoy outdoor living from not one, but two balconies—one in the front and one in the back—providing wonderful spaces to relax, enjoy your morning coffee, or unwind at the end of the day. Step outside and enjoy beautiful, scenic jogging and walking paths throughout the community, surrounded by peaceful natural scenery. Community amenities also include an outdoor swimming pool and workout room, making it easy to stay active and enjoy the neighborhood without leaving home. The second-level setting provides an elevated outlook, while the location alongside the open green space makes this unit particularly special. Conveniently located in Annapolis, with easy access to everything the area has to offer, including shopping, dining, recreation, and the charm of downtown Annapolis. A wonderful combination of location, updates, amenities, outdoor space, and natural surroundings!

1133 Lake Heron Dr Unit 2B, Annapolis

Listing courtesy of Cummings & Co. Realtors. Contact:

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