$950,000

Estimated payment $5,522/month

Total Views 2,453
5 Beds
3 Baths
2,646 Sq Ft
$359 Price per Sq Ft

Highlights

  • Very Popular Property
  • Private Dock Site
  • Private Beach
  • 100 Feet of Waterfront
  • Access to Tidal Water
  • River View

About This Home

If you’ve ever dreamed of ending your day with a front-row seat to the sunset over the water, this home might feel like it was made for you. Welcome to 19 Tower Rd, tucked into the waterfront community of Tower Point along the Elk River—where the views are always changing and the pace of life slows down in the best way. This spacious home is designed for both everyday living and hosting with ease. The main level offers two bedrooms and a full bath, including one bedroom with peaceful river views—perfect to wake up to each morning. You’ll also find a beautiful family room and dining area overlooking the water, along with an eat-in kitchen that makes everyday living feel both comfortable and connected. Upstairs, you’ll find three additional bedrooms and another full bath, Bedrooms three and four feature private balconies with water views—creating the perfect place to unwind and take in the scenery. The lower level adds even more flexibility, with space already set up for a rec room plus a bonus room that could easily function as a home office, guest space, or additional sleeping area, along with a third full bath—ideal for extended stays or entertaining. Inside, the home feels fresh and move-in ready with professional paint throughout and new LVP flooring on the main level, offering both style and durability. Now—step outside and experience what truly sets this property apart. A large, beautiful deck wraps from the back of the home around to the side kitchen entrance, creating a seamless indoor-outdoor connection. From the deck and backyard, you’ll have front-row views of ships passing through the C&D Canal—an ever-changing backdrop that never gets old and always sparks conversation. The property also offers direct access to your own sandy beach with two separate stairways leading down to the water—perfect for relaxing by the shoreline, launching a kayak, or spending long summer days by the river. And for boating enthusiasts, the property is dock-ready, giving you the opportunity to truly embrace waterfront living. Even better, this waterfront setting is not located in a flood zone—adding peace of mind to an already incredible lifestyle. Whether you’re looking for a full-time residence, a weekend escape, or even a short-term rental opportunity, this home checks all the boxes with its location, layout, and unforgettable views. This isn’t just a house—it’s where everyday life feels like a getaway.

Listing Agent

Amber Durand

(410) 885-1606 amber@psre.net Patterson-Schwartz Real Estate Brokerage Phone: 4108851606 License #RB-0020896 Listed on: 04/11/2026

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,487

Year Built

  • Built in 1980

Lot Details

  • 22,433 Sq Ft Lot
  • 100 Feet of Waterfront
  • Home fronts navigable water
  • Private Beach
  • Sandy Beach
  • Southeast Facing Home
  • Front Yard
  • Property is in excellent condition
  • Property is zoned RR

HOA Fees

  • $28 Monthly HOA Fees

Home Design

  • Colonial Architecture
  • Rambler Architecture
  • Block Foundation
  • Frame Construction
  • Asphalt Roof
  • Wood Siding

Interior Spaces

  • Property has 2 Levels
  • Traditional Floor Plan
  • Brick Wall or Ceiling
  • Ceiling Fan
  • Skylights
  • Recessed Lighting
  • Fireplace Mantel
  • Brick Fireplace
  • Sliding Doors
  • Entrance Foyer
  • Family Room
  • Combination Dining and Living Room
  • Bonus Room
  • Storage Room
  • River Views
  • Storm Doors

Kitchen

  • Breakfast Room
  • Eat-In Kitchen
  • Electric Oven or Range
  • Built-In Microwave
  • Dishwasher
  • Stainless Steel Appliances
  • Upgraded Countertops

Flooring

  • Wood
  • Partially Carpeted
  • Ceramic Tile
  • Luxury Vinyl Plank Tile

Bedrooms and Bathrooms

  • Bathtub with Shower

Laundry

  • Laundry Room
  • Electric Dryer

Finished Basement

  • Walk-Out Basement
  • Connecting Stairway
  • Interior and Side Basement Entry
  • Laundry in Basement
  • Basement with some natural light

Parking

  • 2 Parking Spaces
  • 2 Driveway Spaces
  • Paved Parking

Outdoor Features

  • Access to Tidal Water
  • Private Water Access
  • River Nearby
  • Personal Watercraft
  • Private Dock Site
  • Balcony
  • Deck
  • Patio
  • Exterior Lighting
  • Porch

Utilities

  • Ductless Heating Or Cooling System
  • Forced Air Heating and Cooling System
  • Heating System Uses Oil
  • 200+ Amp Service
  • Water Treatment System
  • Well
  • Electric Water Heater
  • Water Conditioner is Owned
  • Septic Tank

Community Details

  • Tower Point Subdivision

Listing and Financial Details

  • Assessor Parcel Number 009188

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,487

Year Built

Built in 1980

Lot Details

0.51 Acres

HOA Fees

$28 per month

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Colonial, Ranch/Rambler
  • Ownership: Fee Simple
  • Historic: No
  • Inclusions: Washer, Dryer & Refrigerator
  • New Construction: No
  • Story List: Lower 1, Main, Upper 1
  • Expected On Market: 4/11/2026 12:00:00 AM
  • Federal Flood Zone: No
  • Year Built: 1980
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Appliances: Built-In Microwave, Dishwasher, Dryer - Electric, Oven/Range - Electric, Refrigerator, Stainless Steel Appliances, Water Conditioner - Owned, Water Heater
  • Flooring Type: Ceramic Tile, Hardwood, Luxury Vinyl Plank, Partially Carpeted
  • Interior Amenities: Bathroom - Tub Shower, Breakfast Area, Carpet, Ceiling Fan(s), Combination Dining/Living, Entry Level Bedroom, Floor Plan - Traditional, Kitchen - Eat-In, Kitchen - Table Space, Pantry, Recessed Lighting, Skylight(s), Upgraded Countertops, Water Treat System, Wood Floors
  • Window Features: Skylights
  • Fireplace Features: Brick, Mantel(s)
  • Fireplaces Count: 1
  • Fireplace: Yes
  • Door Features: Sliding Glass, Storm
  • Wall Ceiling Types: Brick, Dry Wall
  • Foundation Details: Block
  • Levels Count: 2
  • Room List: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Bedroom 5, Kitchen, Family Room, Foyer, Breakfast Room, Laundry, Storage Room, Bonus Room, Full Bath
  • Basement: Yes
  • Basement Type: Connecting Stairway, Daylight, Partial, Fully Finished, Improved, Interior Access, Outside Entrance, Side Entrance, Walkout Level
  • Basement Finished Percent: 90.00
  • Basement Footprint Percent: 100.00
  • Laundry Type: Basement
  • Living Area Units: Square Feet
  • Total Sq Ft: 3178
  • Living Area Sq Ft: 2646
  • Price Per Sq Ft: 486.68
  • Above Grade Finished Sq Ft: 1952
  • Below Grade Finished Sq Ft: 694
  • Below Grade Sq Ft: 532
  • Total Below Grade Sq Ft: 1226
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 5
  • Main Level Bedrooms: 2
  • Total Bathrooms: 3
  • Full Bathrooms: 3
  • Main Level Bathrooms: 1.00
  • Upper Level Bathrooms: 1
  • Lower Levels Bathrooms: 1
  • Upper Level Bathrooms: 1.00
  • Lower Levels Bathrooms: 1.00
  • Main Level Full Bathrooms: 1
  • Lower Level Full Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Frame, Wood Siding
  • Exterior Features: Exterior Lighting, Private Beach, Sidewalks
  • Roof: Asphalt
  • Spa: No
  • View: River
  • Water Access Features: Personal Watercraft (PWC), Private Access
  • Water Access: Yes
  • Water Body Name: Elk River
  • Water Body Type: River
  • Waterfront: Yes
  • Water Oriented: Yes
  • Pool: No Pool
  • Tidal Water: Yes
  • Water View: Yes
  • Water Frontage In Feet: 100

Garage/Parking

  • Garage: No
  • Parking Features: Paved Parking
  • Total Garage And Parking Spaces: 2
  • Type Of Parking: Driveway
  • Number of Spaces in Driveway: 2

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C, Ductless/Mini-Split
  • Electric Service: 200+ Amp Service
  • Heating Fuel: Oil
  • Heating Type: Forced Air
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Septic Exists
  • Water Source: Well
  • Internet Services: Fiber Optic

Condo/Co-op/Association

  • HOA Fees: 340.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA: Yes
  • Senior Community: No

Schools

  • School District Source: Listing Agent

Lot Info

  • Horses: No
  • Additional Parcels: No
  • Land Lease: No
  • Lot Features: Front Yard
  • Lot Size Acres: 0.52
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 22433.00
  • Outdoor Living Structures: Deck(s), Patio(s), Porch(es), Balcony
  • Property Condition: Excellent
  • Zoning: RR
  • In City Limits: No

Rental Info

  • Ground Rent Exists: No
  • Lease Considered: No
  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 5487.00
  • Assessor Parcel Number: 009188
  • Tax Year: 2025

Multi Family

  • Waterfront Features: Private Dock Site, Sandy Beach

MLS Schools

  • School District Name: CECIL COUNTY PUBLIC SCHOOLS

Map

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Tax History

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 $5,712 $516,433 $0 $0
2024 $5,487 $495,900 $282,200 $213,700
2023 $5,511 $493,567 $0 $0
2022 $5,593 $491,233 $0 $0
2021 $5,633 $488,900 $282,200 $206,700
2020 $5,552 $476,133 $0 $0
2019 $5,404 $463,367 $0 $0
2018 $5,257 $450,600 $282,200 $168,400
2017 $5,257 $450,600 $0 $0
2016 $5,060 $450,600 $0 $0
2015 $5,060 $453,400 $0 $0
2014 $6,567 $453,400 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
04/11/2026 04/11/26 For Sale $950,000 -- $359 / Sq Ft
Source: Bright MLS

Purchase History

Date Type Sale Price Title Company
Interfamily Deed Transfer $550,000 None Available
Deed $955,000 --
Deed $955,000 --
Deed -- --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Closed $561,152 Purchase Money Mortgage
Source: Public Records

Source: Bright MLS

MLS Number: MDCC2020972

Bright MLS

APN: 02-009188

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