$1,600,000

38 Osprey Way Elkton, MD 21921

Estimated payment $9,423/month

Total Views 10,592
5 Beds
3.5 Baths
4,185 Sq Ft
$382 Price per Sq Ft

Highlights

  • 100 Feet of Waterfront
  • River View
  • Curved or Spiral Staircase
  • Heated In Ground Pool
  • 3.12 Acre Lot
  • Deck

About This Home

Waterfront Retreat with Endless Potential!

Set on 3.2 picturesque acres with direct waterfront access, this unique property blends modern updates with rustic charm. Recent renovations include new windows, flooring, plumbing in the basement, four-zone HVAC, a luxury oversized deck, and a new pool pump. Inside, you’ll find a spacious layout featuring an in-law suite, basement bar, and multiple living areas, with the lower level partially finished and awaiting your final touches.

Outdoors, enjoy a private inground pool, massive pole barn, and a dock with new woodwork—ideal for boating, fishing, or simply soaking in the serene views. Whether you envision a full-time residence, multi-generational living, or a weekend retreat, this home offers the foundation for something truly extraordinary.

This is a rare chance to create your dream waterfront estate in a setting that combines privacy, charm, and luxury potential.

Listing Agent

Tonya Keener

(443) 466-6462 tonya.keener@century21core.com Core Partners Realty LLC License #RS358687 Listed on: 10/02/2025

Core Partners Realty LLC

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $12,386

Year Built

  • Built in 1995

Lot Details

  • 3.12 Acre Lot
  • 100 Feet of Waterfront
  • Home fronts navigable water
  • Rural Setting
  • Wood Fence
  • Private Lot
  • Secluded Lot
  • Property is zoned NAR

Parking

  • 6 Garage Spaces | 2 Attached and 4 Detached
  • 7 Driveway Spaces
  • Parking Storage or Cabinetry
  • Dirt Driveway

Home Design

  • Contemporary Architecture
  • Block Foundation
  • Frame Construction
  • Concrete Perimeter Foundation

Interior Spaces

  • Property has 2 Levels
  • Central Vacuum
  • Partially Furnished
  • Curved or Spiral Staircase
  • Built-In Features
  • Bar
  • Crown Molding
  • Two Story Ceilings
  • Ceiling Fan
  • Recessed Lighting
  • Replacement Windows
  • Entrance Foyer
  • Great Room
  • Family Room Off Kitchen
  • Dining Room
  • River Views
  • Attic
  • Basement

Kitchen

  • Eat-In Kitchen
  • Double Oven
  • Cooktop
  • Dishwasher

Flooring

  • Wood
  • Carpet
  • Stone
  • Ceramic Tile

Bedrooms and Bathrooms

  • En-Suite Bathroom
  • Walk-In Closet

Laundry

  • Laundry on lower level
  • Electric Dryer
  • Washer

Home Security

  • Intercom
  • Fire and Smoke Detector
  • Flood Lights

Accessible Home Design

  • Garage doors are at least 85 inches wide

Pool

  • Heated In Ground Pool
  • Fence Around Pool

Outdoor Features

  • Water Access
  • River Nearby
  • Stream or River on Lot
  • Deck
  • Brick Porch or Patio
  • Pole Barn

Utilities

  • Humidifier
  • Forced Air Heating System
  • Heating System Powered By Owned Propane
  • Vented Exhaust Fan
  • Hot Water Heating System
  • Geothermal Heating and Cooling
  • Well
  • Electric Water Heater
  • Septic Tank

Community Details

  • No Home Owners Association
  • Elk Neck Subdivision

Listing and Financial Details

  • Tax Lot 1
  • Assessor Parcel Number 0805040965

Home Details

Home Type

Single Family

Est. Annual Taxes

$12,386

Year Built

Built in 1995

Lot Details

0

Parking

6

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Contemporary
  • Accessibility Features: >84" Garage Door
  • Ownership: Fee Simple
  • Exclusions: Refrigerator
  • Inclusions: Appliances
  • New Construction: No
  • Story List: Lower 1, Upper 2
  • Federal Flood Zone: No
  • Year Built: 1995
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Cooktop, Dishwasher, Dryer, Dryer - Electric, Exhaust Fan, Humidifier, Oven - Double, Washer, Water Heater
  • Flooring Type: Carpet, Ceramic Tile, Hardwood, Stone
  • Interior Amenities: Attic, Built-Ins, Ceiling Fan(s), Central Vacuum, Crown Moldings, Curved Staircase, Family Room Off Kitchen, Intercom, Kitchen - Table Space, Primary Bath(s), Recessed Lighting, Store/Office, Walk-In Closet(s), Bar
  • Window Features: Replacement
  • Fireplace: No
  • Wall Ceiling Types: 2 Story Ceilings, Dry Wall
  • Foundation Details: Block, Concrete Perimeter
  • Levels Count: 2
  • Room List: Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen, Family Room, Basement, Foyer, Great Room, Attic, Half Bath
  • Basement: Yes
  • Laundry Type: Lower Floor
  • Total Sq Ft: 5850
  • Living Area Sq Ft: 4185
  • Price Per Sq Ft: 440.77
  • Above Grade Finished Sq Ft: 3630
  • Below Grade Finished Sq Ft: 555
  • Below Grade Sq Ft: 1665
  • Total Below Grade Sq Ft: 2220
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 5
  • All Lower Level Bedrooms: 2
  • Total Bathrooms: 4
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Upper Level Bathrooms: 3
  • Lower Levels Bathrooms: 1
  • Upper Level 2 Bathrooms: 3.00
  • Lower Levels Bathrooms: 1.00
  • Lower Level Full Bathrooms: 1
  • Upper Level 2 Half Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Other Structures List: Pole Barn
  • Construction Materials: Frame
  • Exterior Features: Flood Lights
  • Pool Features: Heated, Fenced, In Ground
  • Road Surface Type: Gravel
  • Spa: No
  • View: River
  • Water Access: Yes
  • Water Body Type: River
  • Waterfront: Yes
  • Water Oriented: Yes
  • Pool: Yes - Personal
  • Water View: Yes
  • Water Frontage In Feet: 100

Garage/Parking

  • Garage Spaces: 6.00
  • Garage: Yes
  • Parking Features: Dirt Driveway
  • Garage Features: Additional Storage Area
  • Attached Garage Spaces: 2
  • Number Of Detached Garage Spaces: 4
  • Total Garage And Parking Spaces: 13
  • Type Of Parking: Driveway, Detached Garage, Attached Garage
  • Number of Spaces in Driveway: 7

Utilities

  • Central Air Conditioning: No
  • Cooling Fuel: Electric
  • Heating Fuel: Geo-Thermal, Natural Gas, Propane - Owned
  • Heating Type: Central, Forced Air, Hot Water
  • Heating: Yes
  • Hot Water: Electric
  • Security: Fire Detection System, Smoke Detector
  • Sewer/Septic System: Private Septic Tank
  • Water Source: Well

Condo/Co-op/Association

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

Schools

  • School District Source: Listing Agent

Lot Info

  • Horses: No
  • Additional Parcels: No
  • Fencing: Wood
  • Lot Features: Private, Rural, Secluded
  • Lot Size Acres: 3.12
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 135907.00
  • Outdoor Living Structures: Brick, Deck(s), Patio(s)
  • Zoning: NAR
  • In City Limits: No

Rental Info

  • Furnished: Partially
  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 12386.00
  • Assessor Parcel Number: 0805040965
  • Tax Lot: 1
  • County Tax Payment Frequency: Annually
  • Tax Year: 2024

MLS Schools

  • School District Name: CECIL COUNTY PUBLIC SCHOOLS

Map

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

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 $13,014 $1,183,700 $0 $0
2024 $12,386 $1,126,300 $0 $0
2023 $10,365 $1,068,900 $613,300 $455,600
2022 $11,634 $1,027,600 $0 $0
2021 $11,400 $986,300 $0 $0
2020 $10,960 $945,000 $613,300 $331,700
2019 $10,905 $940,300 $0 $0
2018 $10,851 $935,600 $0 $0
2017 $10,797 $930,900 $0 $0
2016 $9,258 $882,500 $0 $0
2015 $9,258 $834,100 $0 $0
2014 $9,923 $785,700 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
10/02/2025 10/02/25 For Sale $1,600,000 -- $382 / Sq Ft
Source: Bright MLS

Purchase History

Date Type Sale Price Title Company
Deed -- --
Deed $210,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $157,000 Purchase Money Mortgage
Closed -- No Value Available
Source: Public Records

Source: Bright MLS

MLS Number: MDCC2019240

Bright MLS

APN: 05-040965

Maryland Cecil County Elkton 21921

38 Osprey Way, Elkton, MD

For Sale

Detached

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Nearby Homes
Tonya Keener
Listing Agent
Tonya Keener
Section Image
Core Partners Realty LLC
(410) 618-0872