Annapolis Condo & Townhome Living

Properly priced Annapolis condos move quickly, especially waterfront and under $800k.

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Pricing depends on location, water access, building condition, and amenities.

• Non-waterfront condos generally start in the mid-$400s to low-$800s

• Waterfront and luxury communities usually begin in the high-$700s and can climb into the multi-millions. Here’s a comfortable condo on Spa Creek for $3.19M.

Location makes a big difference in price and for different reasons. Compare the GrandView community with extraordinary shopping and dining, elevator access, to the Chesapeake Harbour community with waterfront townhomes and condos, a gorgeous marina just a two minute sail from the Chesapeake Bay. Similar price range in both.

Parking, marina access, condo fees, insurance structure, and building age all affect long-term cost and resale value.

It’s important to look at similar buildings and real lifestyle value — not citywide averages.

Condo fees in Annapolis vary depending on the building’s age, amenities, and whether it’s waterfront. Fees range from $400/month to $1,200+/month and usually cover exterior maintenance, landscaping, insurance for common areas, trash service, and sometimes water or sewer. Plus they will cover contributions to maintain a proper required reserve fund.

In waterfront communities, fees may also support marina maintenance, bulkheads, docks, and shared recreational amenities such as pools or clubhouses.

It’s important to look beyond the monthly number and understand what’s included, and what is not. A lower fee doesn’t always mean lower long-term cost.

What matters most: Is the association financially healthy and properly managed?

Waterfront and water access properties typically command a premium due to views, direct water access, and marina amenities. They may also carry higher condo fees and insurance considerations.

Non-waterfront communities often offer strong value, proximity to downtown, and lower monthly expenses while still being near the water.

The decision often comes down to how much daily access to the water factors into your lifestyle.

Boat slips are handled differently depending on the community. In some buildings, slips are deeded and sold separately. In others, they may be assigned, leased, or managed through the association.

Availability, size restrictions, and waitlists can vary significantly.

If water access is a priority, it’s important to understand how slips are structured before focusing on a specific building.

While both zip codes are considered Annapolis, they offer varying living environments.

21401 includes Historic Downtown Annapolis, Spa Creek, more inland communities, and closer proximity to shopping and commuter routes.

21403 includes many waterfront and peninsula communities such as Eastport and areas along the Severn River, Spa Creek and Back Creek.

Each offers a distinct balance of access, water orientation, and neighborhood feel. They are both great places to live.