$540,000
OPEN SAT 10AM - 12PM

Estimated payment $3,401/month

Total Views 1,846
4 Beds
3 Baths
2,064 Sq Ft
$262 Price per Sq Ft

Highlights

  • Hot Property
  • Boat Ramp
  • Water Access
  • Matapeake Elementary School Rated A-
  • Home fronts navigable water
  • 0.34 Acre Lot

About This Home

Beautifully updated 4-bedroom, 3-full-bath split-level home offering flexible living space in a sought-after water-access community! Nearly every major update has already been completed, including a new roof in 2024, new HVAC in 2026, beautifully renovated kitchen and bathrooms, new flooring, fresh paint, and a newly fenced backyard.
The upper level features three bedrooms and two full bathrooms, while the spacious lower level offers a separate au pair or guest suite with a fourth bedroom, full bathroom, second partial kitchen, and additional living space. This versatile layout is ideal for guests, extended family, a home office, or anyone looking for a little extra privacy.
Outside, enjoy the newly fenced backyard with plenty of room to relax, entertain, or play. Located in a wonderful water-access community with amenities that make it easy to enjoy the Eastern Shore lifestyle. With so many recent improvements already completed, this home offers the perfect combination of updated interiors, flexible space, and a fantastic community setting!

Listing Agent

Shelley Baden

(410) 266-0600 annapoliswest@penfedrealty.com Berkshire Hathaway HomeServices PenFed Realty Brokerage Phone: 4102660600 License #661391 Listed on: 09/16/2026

Berkshire Hathaway HomeServices PenFed Realty

Open House Schedule

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,066

Year Built

  • Built in 1998 | Remodeled in 2024

Lot Details

  • 15,000 Sq Ft Lot
  • Home fronts navigable water
  • Vinyl Fence
  • Property is in excellent condition
  • Property is zoned NC-20

HOA Fees

  • $13 Monthly HOA Fees

Home Design

  • Split Foyer
  • Block Foundation
  • Shingle Roof
  • Vinyl Siding

Interior Spaces

  • Property has 2 Levels
  • Open Floorplan
  • Ceiling Fan
  • Gas Fireplace
  • Family Room Off Kitchen
  • Living Room
  • Workshop
  • Luxury Vinyl Plank Tile Flooring
  • Finished Basement
  • Walk-Out Basement

Kitchen

  • Eat-In Kitchen
  • Stove
  • Microwave
  • Dishwasher
  • Disposal

Bedrooms and Bathrooms

  • Walk-In Closet

Laundry

  • Laundry Room
  • Laundry on lower level
  • Dryer
  • Washer

Parking

  • 6 Parking Spaces
  • 6 Driveway Spaces

Outdoor Features

  • Water Access
  • Property near a bay
  • Deck

Utilities

  • Forced Air Heating and Cooling System
  • Heat Pump System
  • 200+ Amp Service
  • Electric Water Heater

Listing and Financial Details

  • Tax Lot 5
  • Assessor Parcel Number 1804105354

Community Details

Overview

  • Association fees include common area maintenance, pier/dock maintenance
  • Bay City Property Owners Association
  • Bay City Subdivision

Amenities

  • Picnic Area
  • Common Area

Recreation

  • Boat Ramp
  • Pier or Dock
  • Community Playground

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,066

Year Built

Built in 1998 | Remodeled in 2024

Lot Details

0.34 Acres

HOA Fees

$13 per month

Listing Details

  • Standard Status: Active
  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Split Foyer
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Lower 1, Main
  • Expected On Market: 9/16/2026 12:00:00 AM
  • Year Built: 1998
  • Year Renovated: 2024
  • MLS Status: ACTIVE-BRIGHT
  • Special Features: 4099
  • Property Sub Type: Detached

Interior Features

  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Stove, Washer, Water Heater
  • Flooring Type: Luxury Vinyl Plank
  • Interior Amenities: Ceiling Fan(s), Combination Dining/Living, Combination Kitchen/Living, Family Room Off Kitchen, Floor Plan - Traditional, Kitchen - Eat-In, Walk-In Closet(s)
  • Fireplace Features: Gas/Propane
  • Fireplaces Count: 1
  • Fireplace: Yes
  • Foundation Details: Block
  • Levels Count: 2
  • Room List: Living Room, Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen, Family Room, Laundry, Workshop, Bathroom 2, Bathroom 3, Primary Bathroom
  • Basement: Yes
  • Basement Type: Fully Finished, Walkout Level
  • Laundry Type: Lower Floor
  • Total Sq Ft: 2064
  • Living Area Sq Ft: 2064
  • Price Per Sq Ft: 436.19
  • Above Grade Finished Sq Ft: 1238
  • Below Grade Finished Sq Ft: 826
  • Total Below Grade Sq Ft: 826
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 4
  • Main Level Bedrooms: 3
  • All Lower Level Bedrooms: 1
  • Total Bathrooms: 3
  • Full Bathrooms: 3
  • Main Level Bathrooms: 2.00
  • Lower Levels Bathrooms: 1
  • Lower Levels Bathrooms: 1.00
  • Main Level Full Bathrooms: 2
  • Lower Level Full Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Block, Vinyl Siding
  • Roof: Shingle
  • Water Access: Yes
  • Water Body Name: Chesapeake Bay
  • Water Body Type: Bay
  • Waterfront: No
  • Water Oriented: Yes
  • Pool: No Pool
  • Tidal Water: No
  • Water View: No

Garage/Parking

  • Garage: No
  • Total Garage And Parking Spaces: 6
  • Type Of Parking: Driveway
  • Number of Spaces in Driveway: 6

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Ceiling Fan(s), Central A/C, Heat Pump(s)
  • Electric Service: 200+ Amp Service
  • Heating Fuel: Electric
  • Heating Type: Heat Pump(s), Forced Air
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • HOA Fees: 150.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA Condo Co-Op Amenities: Boat Ramp, Common Grounds, Picnic Area, Pier/Dock, Tot Lots/Playground
  • HOA Condo Co-Op Fee Includes: Common Area Maintenance, Pier/Dock Maintenance
  • HOA Name: BAY CITY PROPERTY OWNERS ASSOCIATION
  • HOA: Yes
  • Senior Community: No

Lot Info

  • Fencing: Vinyl
  • Lot Size Acres: 0.34
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 15000.00
  • Outdoor Living Structures: Deck(s)
  • Property Condition: Excellent
  • Zoning: NC-20
  • In City Limits: No

Rental Info

  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 4066.00
  • Assessor Parcel Number: 1804105354
  • Tax Lot: 5
  • County Tax Payment Frequency: Annually
  • Tax Year: 2026

MLS Schools

  • School District Name: QUEEN ANNE'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
2026 $4,066 $468,200 $182,500 $285,700
2025 $4,066 $431,600 $0 $0
2024 $3,721 $395,000 $0 $0
2023 $3,376 $358,400 $161,000 $197,400
2022 $3,341 $354,667 $0 $0
2021 $3,330 $350,933 $0 $0
2020 $3,330 $347,200 $161,000 $186,200
2019 $3,198 $333,433 $0 $0
2018 $3,066 $319,667 $0 $0
2017 $2,934 $305,900 $0 $0
2016 -- $305,900 $0 $0
2015 $1,362 $305,900 $0 $0
2014 $1,362 $308,600 $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 Prior Sale
09/16/2026 09/16/26 For Sale $540,000 +38.8% $262 / Sq Ft
04/25/2024 04/25/24 Sold $389,000 -2.5% $188 / Sq Ft View Prior Sale
03/15/2024 03/15/24 Price Changed $399,000 -4.8% $193 / Sq Ft
02/08/2024 02/08/24 Price Changed $419,000 -2.3% $203 / Sq Ft
09/24/2023 09/24/23 For Sale $429,000 -- $208 / 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
Special Warranty Deed $389,000 Capitol Title
Deed -- None Listed On Document
Deed -- --
Deed $395,000 --
Deed -- --
Deed $235,500 --
Deed -- --
Deed $115,000 --
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 $376,000 New Conventional
Previous Owner $325,650 New Conventional
Previous Owner $316,000 Adjustable Rate Mortgage/ARM
Previous Owner $39,500 Adjustable Rate Mortgage/ARM
Source: Public Records

Source: Bright MLS

MLS Number: MDQA2018580

Bright MLS

APN: 04-105354

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