Estimated payment $3,895/month
Highlights
- 30 Feet of Waterfront
- Pier
- Pool and Spa
- 1 Dock Slip
- Greenhouse
- Fishing Allowed
About This Home
Back up offers welcomed. SPECIAL RATE OFFER! SELLER WILL PAY TO GET YOUR RATE INTO THE 4's! The sellers are offering a 2-1 temporary rate buydown, meaning your interest rate will be 2% lower the first year (currently in the 4's!) and 1% lower the second year to help reduce your monthly payments. Prefer a different option? You can also use the seller’s contribution toward a permanent rate buydown or closing costs. OFFER VALID UNTIL NOVEMBER 30TH! ASK FOR MORE INFO! Welcome to 20 Neptune, a true waterfront retreat for those who crave privacy, connection to nature, and everyday comfort without compromise (and NO FLOOD INSURANCE!). Nestled along the quiet banks of the Gunpowder River with direct access to the Bay, this home delivers a lifestyle that feels like a getaway but functions beautifully for everyday living. The island behind the property is protected land that will never be developed. It also acts as a buffer during major storms. When the leaves fall, the view beyond that island expands beautifully. Experience a resort-like setting here. The saltwater pool and spa are framed by native perennial gardens, intentionally planted for color, privacy, and ease of care through every season. From your private dock with boat lift, kayak launch, and gazebo, you can start your day on the water and end it with sunset views that never grow old. Inside, the layout flows easily between indoor and outdoor spaces. Whether hosting friends or enjoying a quiet morning by the water, this home was designed for effortless living. Thoughtful updates bring modern comfort: heated tile floors, a Trane High-Efficiency HVAC (2021), paid-in-full solar panel system, and crawlspace encapsulation for efficiency and healthier air. The owner’s suite is a private retreat of its own, complete with a walk-in closet, spa-inspired bath, and balcony overlooking the water. Every space here feels intentional, warm, welcoming, and ready for the next chapter of its story. This is a home for those who cherish natural beauty, lasting comfort, and a lifestyle that flows as easily as the river it overlooks. At 20 Neptune, every sunrise, tide, and breeze feels like an invitation to slow down and live fully. Welcome home!
Listing Agent
(443) 570-3931 teal@tealclise.com EXP Realty, LLC License #646248 Listed on: 09/11/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $4,138
Year Built
- Built in 1971
Lot Details
- 0.37 Acre Lot
- 30 Feet of Waterfront
- Home fronts navigable water
- Cul-De-Sac
- Wrought Iron Fence
- Back Yard Fenced
- Decorative Fence
- Landscaped
- Extensive Hardscape
- No Through Street
- Premium Lot
- Wooded Lot
- Tidal Wetland on Lot
- Property is in very good condition
- Property is zoned R3
Parking
- 1 Car Direct Access Garage
- Front Facing Garage
- Garage Door Opener
Home Design
- Colonial Architecture
- Slab Foundation
- Architectural Shingle Roof
- Stone Siding
- Vinyl Siding
- Active Radon Mitigation
Interior Spaces
- 2,100 Sq Ft Home
- Property has 2 Levels
- Open Floorplan
- Ceiling Fan
- Recessed Lighting
- Bay Window
- Window Screens
- Sliding Doors
- Six Panel Doors
- Entrance Foyer
- Family Room
- Living Room
- Dining Room
- Water Views
- Crawl Space
- Flood Lights
- Attic
Kitchen
- Breakfast Area or Nook
- Gas Oven or Range
- Six Burner Stove
- Range Hood
- Microwave
- Bosch Dishwasher
- Dishwasher
- Upgraded Countertops
- Disposal
Flooring
- Wood
- Carpet
- Ceramic Tile
Bedrooms and Bathrooms
- 3 Bedrooms
- En-Suite Bathroom
- Walk-In Closet
- Whirlpool Bathtub
- Hydromassage or Jetted Bathtub
- Bathtub with Shower
- Walk-in Shower
Laundry
- Laundry Room
- Laundry on main level
- Dryer
- Washer
Eco-Friendly Details
- Solar owned by seller
Pool
- Pool and Spa
- In Ground Pool
- Saltwater Pool
- Fence Around Pool
Outdoor Features
- Pier
- Access to Tidal Water
- Canoe or Kayak Water Access
- River Nearby
- Sun Deck
- Personal Watercraft
- Rip-Rap
- Electric Hoist or Boat Lift
- 1 Dock Slip
- Physical Dock Slip Conveys
- Stream or River on Lot
- 2 Powered Boats Permitted
- 2 Non-Powered Boats Permitted
- Multiple Balconies
- Patio
- Waterfall on Lot
- Water Fountains
- Greenhouse
- Shed
Utilities
- Forced Air Heating and Cooling System
- Radiant Heating System
- Vented Exhaust Fan
- Natural Gas Water Heater
Listing and Financial Details
- Tax Lot 22
- Assessor Parcel Number 1301122665
Community Details
Overview
- No Home Owners Association
- Rumsey Island Subdivision
Recreation
- Fishing Allowed
Map
Home Values in the Area
Average Home Value in this Area
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 | $4,138 | $399,200 | $0 | $0 |
| 2024 | $4,138 | $379,700 | $167,400 | $212,300 |
| 2023 | $4,100 | $376,200 | $0 | $0 |
| 2022 | $4,062 | $372,700 | $0 | $0 |
| 2021 | $4,261 | $369,200 | $167,400 | $201,800 |
| 2020 | $4,261 | $369,200 | $167,400 | $201,800 |
| 2019 | $4,261 | $369,200 | $167,400 | $201,800 |
| 2018 | $4,461 | $390,100 | $200,400 | $189,700 |
| 2017 | $4,302 | $390,100 | $0 | $0 |
| 2016 | -- | $362,233 | $0 | $0 |
| 2015 | $5,256 | $348,300 | $0 | $0 |
| 2014 | $5,256 | $348,300 | $0 | $0 |
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 11/06/2025 11/06/25 | For Sale | $675,000 | 0.0% | $321 / Sq Ft |
| 11/05/2025 11/05/25 | For Sale | $675,000 | 0.0% | $321 / Sq Ft |
| 11/04/2025 11/04/25 | Pending | -- | -- | -- |
| 10/20/2025 10/20/25 | Price Changed | $675,000 | -2.2% | $321 / Sq Ft |
| 10/10/2025 10/10/25 | Price Changed | $689,900 | 0.0% | $329 / Sq Ft |
| 10/10/2025 10/10/25 | For Sale | $689,900 | -1.4% | $329 / Sq Ft |
| 09/18/2025 09/18/25 | Pending | -- | -- | -- |
| 09/11/2025 09/11/25 | For Sale | $699,900 | -- | $333 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $564,000 | -- | |
| Deed | $263,000 | -- | |
| Deed | -- | -- | |
| Deed | -- | -- |
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $556,495 | FHA | |
| Closed | -- | No Value Available |
Source: Bright MLS
MLS Number: MDHR2047030
APN: 01-122665
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