128 Breakwater Ct Joppa, MD 21085

Discover an exceptional waterfront retreat on the highly desirable Rumsey Island—your perfect year-round getaway that combines indoor-outdoor living with direct water access. This unique property features a private pier, equipped with a 10,000 lb boat lift, complete with electric and water hookups—ideal for avid boaters seeking effortless daily access to the water. A private floating pier adds to your enjoyment in the water by providing direct and easy access to fishing, swimming, kayaking, or simply enjoying the waterfront!

Inside, you’ll find over 1,800 square feet of thoughtfully upgraded living space, featuring two enormous bedrooms and one-and-a-half bathrooms. As you enter the smart front door, you are greeted with a sizeable dining room, leading to the beautifully updated galley kitchen, and the oversized living room with wood burning stove. The centerpiece of the first floor is the inviting indoor tiki room—a versatile, all-season retreat with a built-in bar and tropical-inspired finishes, perfect for entertaining or relaxing with island vibes year-round.

Upstairs you will be amazed at how large the two bedrooms are! The primary bedroom was originally two separate rooms, but the owners removed the wall and made this a spacious showstopper! A large full bathroom completes the upstairs. The existing two bedrooms can easily be converted back into three by installing a full wall with a doorway.

Recent upgrades include new roof (2019), outdoor shed (2020), heat pump (2020), HWH (estimated 2020), carpeting (2022), some windows (2023), pier (2024) and freshly painted throughout (2025).

Step outside to the expansive deck featuring a firepit table large enough for every party, grilling station, and hot tub—all offering stunning waterfront vistas. The backyard is transformed into a private oasis with expansive grass front, stamped concrete walkways, and hardscaped areas—perfect for sunset cocktails or tranquil mornings by the water.

The exterior shed (16’ x 8’) comes equipped with refrigerator, freezer, electric, lighting and receptacles – ideal for storage or workspace. The front porch, lush landscaping, and ample parking enhance the inviting curb appeal.

Located just moments to Mariner Point Park, enjoy free access to a four-ramp boat launch, pavilions, picnic areas, playgrounds, volleyball courts, horseshoe pits, walking trails, and fishing piers. Several local marinas are also nearby, making this an ideal location for boating enthusiasts.

North Bay Marina, located just a short walk away, adds to the exceptional waterfront lifestyle. Their recent opening of Shipwrecked, a new dock bar, along with a dedicated site for live bands and food trucks, enhances the community’s vibrant atmosphere and recreational appeal. This proximity to lively waterfront amenities makes the property especially attractive for those seeking an active, social, and picturesque living environment.

This isn’t just a home—it’s a waterfront resort offering unmatched boating convenience, entertainment-ready spaces, and the comfort of vacation-style living all year long.