***Current VA loan is assumable (just 2.875%) with substitution of VA eligibility***Remaining balance approximately $491k. Experience the epitome of urban luxury in this exquisite 4-story townhome nestled in the vibrant heart of Annapolis. (Sq footage in tax record is not reflecting the loft). Perfectly positioned near top-notch dining, trendy shopping, convenient transportation, and the historic downtown, this property offers the ultimate in convenience and style. Featuring four generously sized bedrooms, three full bathrooms, two half baths, and dual garages within a secure gated community, this home is designed for both comfort and elegance. Step inside to discover a welcoming family room bathed in natural light-ideal for cozy movie nights or a peaceful retreat. Elegant wainscotting graces the entryway, leading you to the heart of the home: an open-plan kitchen, living, and dining area. The chef's kitchen is a masterpiece, boasting granite countertops, chic shaker cabinets, high-end stainless steel appliances, and an expansive island. Unique architectural details include a double-sided fireplace visible from the kitchen, living room, dining area, and the outdoor deck. Outdoor living is elevated on the spacious deck, complete with a custom retractable awning for comfort and shade, making it a perfect spot for hosting gatherings or enjoying serene evenings. The third floor is a sanctuary featuring a luxurious primary suite with a walk-in closet and a spa-inspired bathroom. Two additional bedrooms and a full bath with a soaking tub complete this level. The fourth floor offers a private retreat with another primary suite, enhanced by beautiful skylights and ample storage. Custom upgrades such as tailor-made closets and advanced kitchen storage solutions by ShelfGenie Systems reflect the meticulous attention to detail found throughout this home. Living in Annapolis means embracing a lifestyle filled with maritime heritage, scenic views of the Chesapeake Bay, and a community rich in history and culture. This townhome is not just a place to live-it's a gateway to a lifestyle of sophistication and relaxation in one of Maryland's most cherished cities.