$620,000
PENDING

Estimated payment $3,781/month

Total Views 400
2 Beds
2 Baths
1,698 Sq Ft
$365 Price per Sq Ft

Highlights

  • 169 Feet of Waterfront
  • 2 Dock Slips
  • Cape Cod Architecture
  • Piney Point Elementary School Rated 9+
  • Fishing Allowed
  • Deck

About This Home

Welcome to Willow Cottage on St. George Island, where timeless coastal charm meets exceptional waterfront living. Perfectly positioned with sweeping views of Island Creek, St. George’s Creek and the St. Mary’s River with 169 feet of waterfront, this custom-designed retreat offers the ideal blend of comfort, craftsmanship, and relaxed elegance. From the moment you arrive, you’ll be captivated by the inviting wraparound porch, charming architecture, and distinctive 3rd level lookout —an ideal place to enjoy panoramic sunrise and sunset views over the water. Inside, walls of windows with custom blinds flood the home with natural light while showcasing breathtaking waterfront vistas from the main living areas. Warm hardwood floors, an open-concept layout, and a beautifully designed kitchen with custom cabinetry, built-in breakfast nook, and water views create an inviting space for everyday living and effortless entertaining. The home has two lovely bedrooms with an additional office / den / 3rd bedroom option and two full bathrooms. Step outside to discover exceptional outdoor living spaces designed to embrace the waterfront lifestyle. An Ipe Hardwood Front Porch and Back Deck with a Custom Pergola provide the perfect settings for outdoor dining and gathering, while the expansive Wrap-Around Screened Porch offers a peaceful retreat to relax and enjoy the breeze. Detached One Car Garage / Shed offers plenty of room for extra storage. The well-manicured lawn leads to a private pier, making boating, fishing, kayaking, paddleboarding, or simply enjoying life on the water part of your everyday routine. Whether you’re searching for a full-time waterfront residence or the perfect weekend escape, Willow Cottage offers a rare opportunity to experience the beauty, tranquility, and lifestyle that only true waterfront living can provide.

Listing Agent

Jenny Norris

(888) 860-7369 md.broker@exprealty.net EXP Realty, LLC Brokerage Phone: 8888607369 License #635809 Listed on: 07/09/2026

EXP Realty, LLC

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,184

Year Built

  • Built in 2007

Lot Details

  • 29,185 Sq Ft Lot
  • 169 Feet of Waterfront
  • Home fronts navigable water
  • Creek or Stream
  • Open Space
  • Cul-De-Sac
  • Private Lot
  • Secluded Lot
  • Level Lot
  • Back and Side Yard
  • Property is zoned RPD

Parking

  • 1 Car Detached Garage
  • 6 Driveway Spaces
  • Parking Storage or Cabinetry

Home Design

  • Cape Cod Architecture
  • HardiePlank Type

Interior Spaces

  • 1,698 Sq Ft Home
  • Property has 3 Levels
  • Ceiling Fan
  • Double Pane Windows
  • Window Treatments
  • Family Room
  • Living Room
  • Home Office
  • Sun or Florida Room
  • Water Views
  • Crawl Space
  • Home Security System

Kitchen

  • Breakfast Area or Nook
  • Gas Oven or Range
  • Microwave
  • Dishwasher
  • Disposal

Bedrooms and Bathrooms

Laundry

  • Laundry Room
  • Laundry on upper level
  • Dryer
  • Washer

Outdoor Features

  • Canoe or Kayak Water Access
  • Private Water Access
  • Waterski or Wakeboard
  • Sail
  • Swimming Allowed
  • 2 Dock Slips
  • Physical Dock Slip Conveys
  • Stream or River on Lot
  • Powered Boats Permitted
  • Deck
  • Screened Patio
  • Exterior Lighting
  • Outbuilding

Utilities

  • Central Air
  • Heating System Powered By Leased Propane
  • Vented Exhaust Fan
  • Well
  • Propane Water Heater

Additional Features

  • Energy-Efficient Appliances
  • Property is near creek

Listing and Financial Details

  • Assessor Parcel Number 1909002057

Community Details

Overview

  • No Home Owners Association
  • St. George Island Subdivision

Recreation

  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,184

Year Built

Built in 2007

Lot Details

0.67 Acres

Parking

1

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Cape Cod
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Main, Upper 1
  • Year Built: 2007
  • Automatically Close On Close Date: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Dishwasher, Disposal, Dryer, Energy Efficient Appliances, Exhaust Fan, Microwave, Washer, Water Heater, Oven/Range - Gas
  • Interior Amenities: Window Treatments
  • Window Features: Double Pane
  • Fireplace: No
  • Foundation Details: Crawl Space
  • Levels Count: 3
  • Room List: Living Room, Primary Bedroom, Bedroom 2, Kitchen, Family Room, Sun/Florida Room, Laundry, Office
  • Basement: No
  • Laundry Type: Upper Floor, Washer In Unit, Dryer In Unit
  • Total Sq Ft: 1698
  • Living Area Sq Ft: 1698
  • Price Per Sq Ft: 365.14
  • Above Grade Finished Sq Ft: 1698
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 2
  • Main Level Bedrooms: 1
  • Total Bathrooms: 2
  • Full Bathrooms: 2
  • Main Level Bathrooms: 1.00
  • Upper Level Bathrooms: 1
  • Upper Level Bathrooms: 1.00
  • Main Level Full Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Hardiplank Type
  • Exterior Features: Exterior Lighting, Outbuilding(s)
  • View: Water
  • Water Access Features: Fishing Allowed, Canoe/Kayak, Boat - Powered, Private Access, Sail, Swimming Allowed, Waterski/Wakeboard
  • Water Access: Yes
  • Water Body Name: ISLAND CK
  • Water Body Type: Creek/Stream
  • Waterfront: Yes
  • Water Oriented: Yes
  • Pool: No Pool
  • Water View: Yes
  • Water Frontage In Feet: 169

Garage/Parking

  • Garage Spaces: 1.00
  • Garage: Yes
  • Garage Features: Additional Storage Area
  • Number Of Detached Garage Spaces: 1
  • Total Garage And Parking Spaces: 7
  • Type Of Parking: Driveway, Detached Garage
  • Number of Spaces in Driveway: 6

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C, Ceiling Fan(s)
  • Heating Fuel: Propane - Leased
  • Heating: Yes
  • Hot Water: Propane
  • Security: Security System
  • Sewer/Septic System: Public Sewer
  • Water Source: Well

Condo/Co-op/Association

  • Condo Co-Op Association: No
  • HOA: No
  • Senior Community: No

Schools

  • School District Source: Listing Agent

Lot Info

  • Lot Features: Adjoins - Open Space, Cul-De-Sac, Fishing Available, Level, Private, Rear Yard, Secluded, Sideyard(s), Stream/Creek
  • Lot Size Acres: 0.67
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 29185.00
  • Outdoor Living Structures: Deck(s), Screened
  • Zoning: RPD
  • In City Limits: No

Rental Info

  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 5184.00
  • Assessor Parcel Number: 1909002057
  • County Tax Payment Frequency: Annually
  • Tax Year: 2025

Multi Family

  • Waterfront Features: Private Dock Site

MLS Schools

  • School District Name: ST. MARY'S COUNTY PUBLIC SCHOOLS

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $5,812 $540,100 $281,400 $258,700
2024 $5,430 $504,133 $0 $0
2023 $5,048 $468,167 $0 $0
2022 $4,148 $432,200 $261,400 $170,800
2021 $4,651 $431,000 $0 $0
2020 $4,637 $429,800 $0 $0
2019 $4,622 $428,600 $261,400 $167,200
2018 $4,620 $428,600 $261,400 $167,200
2017 $4,477 $428,600 $0 $0
2016 -- $453,700 $0 $0
2015 $5,126 $453,700 $0 $0
2014 $5,126 $453,700 $0 $0
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
07/11/2026 07/11/26 Pending -- -- --
07/09/2026 07/09/26 For Sale $620,000 -- $365 / Sq Ft
Source: Bright MLS

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Deed $169,500 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $150,000 Stand Alone Refi Refinance Of Original Loan
Closed $150,000 Stand Alone Refi Refinance Of Original Loan
Open $300,000 Stand Alone Refi Refinance Of Original Loan
Source: Public Records

Source: Bright MLS

MLS Number: MDSM2032316

Bright MLS

APN: 09-002057

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