About This Home

This 4-bedroom, 2-bathroom single family at 12 UNION Street in Annapolis, MD is listed for $1,300,000 ($574 per sqft). Built in 1981, the home offers 2,265 sqft of living space on a 0.03 acres lot.

Key Features

  • Built in 1981
  • 0.03 acre lot
  • 4 stories
  • 2 parking spaces

Property Details

4 stories
2 full
2 spaces
1981

Amenities

A/C
Listing Description

Rare opportunity to own a stunning newer built fully detached four bedroom home in the historic district with an attached one car garage plus a one car driveway -an amenity rarely found in downtown Annapolis. Tucked away on a quiet street just steps from Spa Creek and City Dock, 12 Union Street combines the charm and walkability of the Historic District with the comfort and convenience of newer construction.

Spanning four levels, the home is filled with natural light and offers high ceilings throughout. The entire interior has recently undergone a significant refresh, including resurfaced hardwood floors, all-new carpet, professional interior painting throughout, new lighting fixtures, new outlets and switches, a new kitchen backsplash and quartz countertops, plus a new dishwasher, refrigerator, and hot water heater.

With four bedrooms and two full baths, the flexible floor plan provides plenty of options for guests, a home office, gym, or additional living space. Outdoor living is equally inviting, featuring a screened porch off the second level and a spacious deck off the main level with additional outdoor space ideal for relaxing, entertaining, or creating a garden retreat.

The unfinished basement offers exceptional storage and future potential, featuring windows that bring in natural light and unusually high ceilings rarely found in similar downtown homes. Step outside and enjoy everything that makes Annapolis special. The waterfront is just moments away, while the U.S.

Naval Academy, restaurants, shops, parks, and all the attractions of downtown Annapolis are within easy walking distance. Whether you're looking for a full-time residence, a weekend escape, or a smart investment, 12 Union Street offers an exceptional opportunity in one of Annapolis' most sought-after locations.

Monthly Cost Estimate

$6,953/mo

20% down · 6.5% · 30 years

Principal$940
Interest$5,633
Insurance$379

Estimates only. Actual payments may vary.

Location

12 UNION Street

Annapolis, MD 21401

HISTORIC DISTRICT

Features & Amenities

Interior Features

Bathroom - Stall ShowerBreakfast AreaCarpetCeiling Fan(s)Combination Kitchen/DiningFloor Plan - TraditionalKitchen - GalleyRecessed LightingSkylight(s)Upgraded CountertopsWindow TreatmentsWood Floors

Property Details

Construction

Frame

Parking

DrivewayGarage - Attached

Heating

Heat Pump (Heating)

Cooling

Central Air

Appliances

Built-In MicrowaveDishwasherDryer - ElectricOven/Range - GasRefrigeratorStainless Steel AppliancesWasher

Questions & Answers

This 4-bedroom, 2-bathroom single family at 12 UNION Street is listed at $1,300,000 ($574/sqft). The estimated monthly payment is $6,953 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1981, 0.03 acre lot, 4 stories, 2 parking spaces. Interior Features: Bathroom - Stall Shower, Breakfast Area, Carpet.

This property is listed by Santiago I Navarro-Monzo and can be reached at 4439949923.

SN

Santiago I Navarro-Monzo

Agent at Coldwell Banker Realty

(443) 994-9923

Listed by Coldwell Banker Realty · View on Broker Site

MLS# MDAA2149666· Source: listhub· 5 days on market

Copyright © 2026 Bright MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

12 UNION Street, Annapolis, MD 21401

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