Colleen Smith Realtor MD

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Colleen Smith Realtor MD As a real estate agent, I work and live for the love of home. I’m your trusted advisor, your pract

90 E Lake is officially UNDER CONTRACT 🌊✨$3,495,000 | 5 Bedrooms | 6 Bathrooms | 4,200+ Sq Ft | Private PierThis excepti...
05/06/2026

90 E Lake is officially UNDER CONTRACT 🌊✨

$3,495,000 | 5 Bedrooms | 6 Bathrooms | 4,200+ Sq Ft | Private Pier

This exceptional Bay Ridge waterfront property didn’t last long — and it’s easy to see why. From the thoughtfully designed luxury interiors to the walls of windows overlooking the water, every detail of this home delivered the ultimate Annapolis waterfront lifestyle.

Featuring a private pier, expansive outdoor living spaces, and over 4,200 square feet of beautifully curated living space, this home represented everything buyers are looking for in luxury waterfront living right now.

Congratulations to my sellers on a successful contract! Waterfront in Annapolis continues to remain incredibly strong — especially for properties that are positioned and marketed strategically.

Thinking about buying or selling on the water? Let’s talk strategy.

💼 Colleen Smith, Realtor®
📲 443-995-2409
📍 Waterfront Office | Annapolis, MD
🤝 eXp Realty
📩 [email protected]
🌐 colleensmithrealtor.com

𝗕𝘂𝘆𝗶𝗻𝗴 𝘄𝗮𝘁𝗲𝗿𝗳𝗿𝗼𝗻𝘁 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘀𝗼𝘂𝗻𝗱𝘀 𝘀𝗶𝗺𝗽𝗹𝗲… until you realize how many variables actually impact value.That’s exactly why ...
05/04/2026

𝗕𝘂𝘆𝗶𝗻𝗴 𝘄𝗮𝘁𝗲𝗿𝗳𝗿𝗼𝗻𝘁 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘀𝗼𝘂𝗻𝗱𝘀 𝘀𝗶𝗺𝗽𝗹𝗲… until you realize how many variables actually impact value.

That’s exactly why I put this together—because one of the biggest mistakes I see buyers make is assuming that all waterfront is created equal. It’s not. Not even close.

Two homes can sit right next to each other and have completely different values based on a few key factors:

🌊 𝗪𝗮𝘁𝗲𝗿 𝗱𝗲𝗽𝘁𝗵 – Can you actually use the water the way you want? Boating, kayaking, paddleboarding… it all depends on depth.
🏡 𝗘𝗹𝗲𝘃𝗮𝘁𝗶𝗼𝗻 – Are you in a flood zone? How does that impact insurance, long-term cost, and resale?
🌅 𝗩𝗶𝗲𝘄𝘀 + 𝗽𝗼𝘀𝗶𝘁𝗶𝗼𝗻𝗶𝗻𝗴 – Wide open views vs narrow creek frontage can significantly change value.
🌿 𝗣𝗿𝗶𝘃𝗮𝗰𝘆 + 𝗹𝗼𝘁 𝗾𝘂𝗮𝗹𝗶𝘁𝘆 – This is one of the biggest differentiators in waterfront pricing.
⚓ 𝗣𝗶𝗲𝗿 + 𝗮𝗰𝗰𝗲𝘀𝘀 – Not all piers (or permits) are created equal.

And here’s the part most people miss:
👉 Waterfront isn’t just about what you see today—it’s about how the property performs as an investment over time.

This is where strategy comes in.

Whether you’re buying for lifestyle, long-term value, or both, understanding these details upfront is what separates a good purchase from a great one.

If you’re even thinking about waterfront, let’s make sure you’re looking at the right properties—and asking the right questions.

💼 Colleen Smith, Realtor®
📲 443-995-2409
📍 Waterfront Office | Annapolis, MD
🤝 eXp Realty
📩 [email protected]
🌐 colleensmithrealtor.com

Such a great day at the ICON eXp event in Annapolis surrounded by so many high-level agents pushing each other to grow 👏...
05/01/2026

Such a great day at the ICON eXp event in Annapolis surrounded by so many high-level agents pushing each other to grow 👏

Always inspiring to be in a room where collaboration, strategy, and big thinking are the standard—not the exception. And even better getting to share it with amazing people like Rachael Acevedo 💫

These are the kinds of moments that remind me how important it is to stay in the right rooms, with the right people, constantly learning and leveling up.

💼 Colleen Smith, Realtor®
📲 443-995-2409
📍 Waterfront Office | Annapolis, MD
🤝 eXp Realty
📩 [email protected]
🌐 colleensmithrealtor.com

04/29/2026

There’s a lot of talk about rates right now… but let’s put things into perspective.

Mortgage rates have never stayed at historic lows forever. In fact, for decades, rates were significantly higher than where we are today.

📉 1980: 13.7%
📉 1990: 10.1%
📉 2000: 8.1%
📉 2020: 3.1% (the anomaly, not the norm)
📉 Today: ~6.5%

Here’s the reality: the mistake isn’t buying at 6%… it’s waiting for 3%.

Why? Because when (and if) rates drop, competition will surge — driving prices up and eliminating your negotiating power. Right now, buyers have opportunities they didn’t have a few years ago.

You can always refinance your rate… but you can’t go back and buy at today’s price.

If you’re thinking about making a move, let’s talk strategy and timing — because in this market, both matter.

💼 Colleen Smith, Realtor®
📲 443-995-2409
📍 Waterfront Office | Annapolis, MD
🤝 eXp Realty
📩 [email protected]
🌐 colleensmithrealtor.com

04/27/2026

Would you live here?

It’s always the first question… but the better one is: does it fit how you want to live?

Luxury isn’t just about beautiful finishes or impressive spaces — it’s about flow, function, and how a home supports your lifestyle day in and day out. The right home should feel intentional, not just impressive.

That’s where strategy comes in. Finding the right property isn’t about saying yes to everything that looks good — it’s about identifying what truly aligns with your goals, your lifestyle, and your long-term investment.

So… would you live here? Or should we find something even better?

💼 Colleen Smith, Realtor®
📲 443-995-2409
📍 Waterfront Office | Annapolis, MD
🤝 eXp Realty
📩 [email protected]
🌐 colleensmithrealtor.com

Client experiences like this are everything.Helping buyers understand not just what to look for—but where and why—is suc...
04/24/2026

Client experiences like this are everything.

Helping buyers understand not just what to look for—but where and why—is such a big part of what I do, especially when it comes to unique properties like waterfront condos and dock access.

Real estate isn’t just about opening doors… it’s about guiding you through the process with clarity, confidence, and the right strategy so you can make informed decisions every step of the way.

Mark, I truly appreciate your trust and kind words. It means a lot to be part of your journey.

💼 Colleen Smith, Realtor®
📲 443-995-2409
📍 Waterfront Office | Annapolis, MD
🤝 eXp Realty
📩 [email protected]
🌐 colleensmithrealtor.com

04/22/2026

Waterfront is a strategy. 🌊

It’s not just about finding a home with a view — it’s about understanding what actually drives value. Depth, elevation, lot positioning, privacy, boating access… these are the details that separate a good waterfront property from a great one.

With my background as a CPA, I don’t just look at the aesthetic — I analyze the investment. As an entrepreneur, I understand how to think creatively about opportunities, whether that’s off-market deals, teardowns, or maximizing long-term value. And as a leading real estate advisor in Annapolis, I know how to navigate the nuances of this waterfront market — because no two properties are the same.

Buying or selling on the water isn’t one-size-fits-all. It requires experience, strategy, and a deep understanding of both lifestyle and numbers.

If you’re thinking about making a move on the water, let’s approach it the right way.

💼 Colleen Smith, Realtor®
📲 443-995-2409
📍 Waterfront Office | Annapolis, MD
🤝 eXp Realty
📩 [email protected]

Coming soon in the highly sought-after Loch Haven community 🌊📍 3516 Loch Haven Drive | Edgewater💰 $550,000🛏 3 Bedrooms |...
04/17/2026

Coming soon in the highly sought-after Loch Haven community 🌊

📍 3516 Loch Haven Drive | Edgewater
💰 $550,000
🛏 3 Bedrooms | 🛁 2 Baths | 📐 1,700 Sq Ft
🗓 Coming Soon May 6th

Affectionately known as “The Treehouse,” this charming, beautifully updated cottage offers peaceful South River views and a warm, inviting feel from the moment you step inside.

The main level features a cozy family room with a fireplace that opens to a waterside deck—perfect for morning coffee or winding down at sunset. The layout flows effortlessly through the kitchen and dining space, making everyday living and entertaining easy. With a main-level primary bedroom and flexible space for a home office or retreat, this home offers both comfort and versatility.

Downstairs, you’ll find an additional bedroom with its own ensuite bath, plus extra storage and functional space for guests or extended living.

And the lifestyle?
Multiple outdoor spaces to relax and take in the water views, plus access to all that Loch Haven has to offer—sandy beach, marina, boat ramp, trails, and parks.

This is the kind of home that feels like an escape… without ever leaving the neighborhood.

Reach out for early access before it hits the market.

💼 Colleen Smith, Realtor®
📲 443-995-2409
📍 Waterfront Office | Annapolis, MD
🤝 eXp Realty
📩 [email protected]
🌐 colleensmithrealtor.com

04/15/2026

Buying or selling a home isn’t just emotional — it’s one of the largest financial decisions you’ll ever make.

With my background as a CPA and a real estate advisor, I approach every transaction from both sides:
✔️ Understanding your personal goals
✔️ Protecting and maximizing your financial outcome

It’s not just about finding a home you love — it’s about making sure the numbers make sense, the investment is sound, and the strategy is aligned with your long-term goals.

Because at the end of the day, this isn’t just real estate… it’s your future.

💼 Colleen Smith, Realtor®
📲 443-995-2409
📍 Waterfront Office | Annapolis, MD
🤝 eXp Realty
📩 [email protected]
🌐 colleensmithrealtor.com

Address

222 Severn Avenue, Ste 200
Annapolis, MD
21403

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 9am - 7pm
Sunday 9am - 7pm

Telephone

+14439952409

Website

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