Florence Calvert

For years, the mortgage rate lock-in effect kept sellers on the sidelines. That's starting to change. 35% of sellers working with Coldwell Banker® affiliated agents have rates below 5% — and are listing anyway.

Life circumstances, not market timing, are driving the decision. The lock-in effect hasn't disappeared (61% of agents still call it a major or moderate factor), but early signs of movement are showing up.
Florence Calvert, REALTOR®, Coldwell Banker Realty, 3 Church Circle, Annapolis, MD 21401
Mobile: (443) 995-6625 | Office: (410) 263-8686

Sustainability. Efficiency. Long-term value.

Today’s buyers are thinking beyond aesthetics — they’re prioritizing how a home lives, not just how it looks.

From energy-efficient upgrades to low-maintenance landscaping, small changes can make a meaningful impact on both your lifestyle and your property value.

If you’re considering buying or selling, understanding these trends matters.

Let’s position your home for what’s next.
Florence Calvert, REALTOR®, Coldwell Banker Realty, 3 Church Circle, Annapolis, MD 21401
Mobile: (443) 995-6625 | Office: (410) 263-8686

Spring is here, and so are some wonderful new places to gather 🌸 From a James Beard Award-winning chef landing on Bay Ridge Road to a stunning new Italian chophouse opening right on the waterfront, Spring 2026 is bringing some exciting new restaurants to our city.

This month's At Home in Annapolis blog is your insider guide to six new restaurants worth knowing about right now, including two that are opening on Ego Alley just in time for summer. As someone who has spent decades living and working in this community, I never get tired of watching Annapolis surprise us all over again.

👉 Read the full blog at the link in my bio or visit florencecalvert.com/blog-at-home-in-annapolis

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📍 500 Wood Duck Lane is officially Under Contract! A beautiful 3-bedroom townhome in Annapolis with over 2,000 sq ft of living space found its next owner after strong interest and thoughtful positioning. Congratulations to my clients as we move into the next chapter of the process.
Florence Calvert, REALTOR®, Coldwell Banker Realty, 3 Church Circle, Annapolis, MD 21401
Mobile: (443) 995-6625 | Office: (410) 263-8686

You don't need the luck of the Irish to find a great deal; you just need the right agent who has the right strategy!

Happy St. Patrick's Day!
Florence Calvert, REALTOR®, Coldwell Banker Realty, 3 Church Circle, Annapolis, MD 21401
Mobile: (443) 995-6625 | Office: (410) 263-8686

Interest rates are finally moving in a direction many buyers have been waiting for.

But what does that actually mean for the Annapolis real estate market?

In my latest blog, I break down what today’s lower rates could mean for buyers, how they’re influencing activity in Annapolis, and why many people are starting to re-enter the market.

If you’ve been wondering whether now might be the right time to start looking, this will help bring some clarity.

Read the full blog here:
https://www.florencecalvert.com/what-todays-lower-interest-rates-could-mean-for-buyers-in-annapolis/
Florence Calvert, REALTOR®, Coldwell Banker Realty, 3 Church Circle, Annapolis, MD 21401
Mobile: (443) 995-6625 | Office: (410) 263-8686

Just Listed | 📍500 Wood Duck Lane, Annapolis
$560,000 | 3 Bedrooms | 3 Total Baths | 2,024 SqFt

This is the one you have been waiting for! Stately brick-front & side end-unit with bump-out bay, palladium and side windows for maximum natural light. Two-story entry, 9-ft ceilings plus cathedral and vaulted ceilings and skylight on top floor provide space and an open feeling.

Entry-level features a ceramic-tiled foyer, powder room, laundry/storage and cozy family room with gas fireplace and sliding door out to lower deck and back yard. Upstairs is the living room with bay window, dining area, marble two-sided gas fireplace and hardwood floors.

The updated kitchen has large island with space for bar stools to sit, gas cooking and an adjacent sitting area with built-in storage cabinets. There are sliding doors here out to the large upper deck nestled into the surrounding landscape -- a magical space with special lighting.

The upper floor features a lovely primary suite with walk-in closet, vaulted ceiling and fan. The primary bath has a whirlpool bath, shower stall, double vanity and skylight. Two additional bedrooms on this level have vaulted ceilings, ceiling fans and ample closet space. There is a full bath on the hallway with ceramic tile tub/shower and floor.

Elegant touches throughout include custom shades, plantation shutters, lighting fixtures, built-ins and more. Beautifully cared for and maintained -- new gas HVAC (2024), new roof (2022), gas hot water heater (2019), newer appliances and paint/carpet. Ready for you to move in and enjoy this special home!

For more information or to schedule a private showing, please reach out.
Florence Calvert, REALTOR®, Coldwell Banker Realty, 3 Church Circle, Annapolis, MD 21401
Mobile: (443) 995-6625 | Office: (410) 263-8686

Fall in love with your home all over again! Whether you're celebrating your current space or ready to find a new one to adore, I would love to be your real estate matchmaker. Happy Valentine's Day!

Florence Calvert, REALTOR®, Coldwell Banker Realty, 3 Church Circle, Annapolis, MD 21401
Mobile: (443) 995-6625 | Office: (410) 263-8686

Thinking about a move someday?
You don’t have to wait until you’re “ready.”

I wrote about why early conversations make all the difference in my latest blog. Head to florencecalvert.com to read the full post.

https://www.florencecalvert.com/you-dont-have-to-be-buying-or-selling-to-reach-out-to-me/
Florence Calvert, REALTOR®, Coldwell Banker Realty, 3 Church Circle, Annapolis, MD 21401
Mobile: (443) 995-6625 | Office: (410) 263-8686

The most successful home sales begin long before the listing goes live. I talk about exactly why — and how — in my latest blog. If you’re considering selling in Annapolis, this is a must-read. https://www.florencecalvert.com/selling-a-home-in-annapolis-starts-well-before-the-sign-is-in-the-yard/
Florence Calvert, REALTOR®, Coldwell Banker Realty, 3 Church Circle, Annapolis, MD 21401
Mobile: (443) 995-6625 | Office: (410) 263-8686