Andrea Aitken was taken from the semi-detached property by firefighters using breathing apparatus but was pronounced dead at the scene.
Emergency services were alerted shortly before 02:30 on Friday but found the fire already "well developed".
A joint police and fire service investigation will be carried out into the cause of the blaze in the town's Addison Place.
A 46-year-old woman who died in a house fire in Annan has been named by police.