$490,000
SOLD JUL 21, 2025

851 Locust Point Rd Elkton, MD 21921

6 Beds
3 Baths
2,650 Sq Ft
3.64 Acres

Recently Sold

$185 Per Sq Ft

1% Below List Price

8 Days on Market

Highlights

  • Home fronts navigable water
  • Second Kitchen
  • View of Trees or Woods
  • Canoe or Kayak Water Access
  • Fishing Allowed
  • 3.64 Acre Lot

About This Home

As of July 2025

TWO HOMES FOR THE PRICE OF ONE – A RARE FIND WITH ENDLESS POSSIBILITIES!

Looking for a property that offers more than just a place to live? This exceptional large ranch-style home boasts over 2,200 square feet of one-story living and delivers two fully separate living spaces under one roof, ideal for multi-generational living, rental income, or a flexible lifestyle tailored to your needs.

The main home features a spacious layout with 4 bedrooms (3 on the main level and 1 in the finished basement) and 2 full bathrooms. At the heart of the home is the updated kitchen, showcasing a large deluxe island, upgraded cabinetry, a farmhouse sink, and beautiful granite countertops, perfect for both everyday living and entertaining.

The second unit is a thoughtfully designed 2-bedroom, 1-bath in-law suite, complete with its own full kitchen, private laundry, wide doorways, entry ramp, and private entrance, offering true independence and accessibility.

Set on 3.64 acres of peaceful countryside, this serene property offers both privacy and potential. Enjoy quiet mornings surrounded by nature or host unforgettable gatherings around the fire pit in the huge backyard, a space where the sky is the limit for outdoor enjoyment, gardening, raising chickens or future additions.

Plus, you’ll enjoy deeded access to the beautiful Elk River, perfect for kayaking, fishing, or simply soaking in the waterfront lifestyle.

With NO HOA, you have the freedom to make this property your own. And for qualified buyers, this home may be eligible for 100% financing through special loan programs, ask your agent or lender for more details.

Whether you're investing, expanding, or simply dreaming of more room to live and grow, this home isn’t just a place...it’s an opportunity you don’t want to miss!

Last Agent to Sell the Property

Nicole Strahorn

(410) 920-1180 nicole@greggteam.com Gregg Team Realty Listed on: 05/29/2025

Last Buyer's Agent

Mike Hutton Hutton

(443) 553-5420 mike@psre.net Patterson-Schwartz Real Estate License #RS0037161

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,769

Year Built

  • Built in 1985

Lot Details

  • 3.64 Acre Lot
  • Home fronts navigable water
  • Rural Setting
  • Back Yard Fenced
  • Backs to Trees or Woods
  • Property is zoned RR

Parking

  • 2 Car Direct Access Garage
  • Side Facing Garage
  • Driveway

Home Design

  • Rambler Architecture
  • Permanent Foundation
  • Block Foundation
  • Shingle Roof
  • Vinyl Siding

Interior Spaces

  • Property has 1 Level
  • Ceiling Fan
  • Recessed Lighting
  • Family Room Off Kitchen
  • Open Floorplan
  • Bonus Room
  • Views of Woods
  • Attic

Kitchen

  • Second Kitchen
  • Breakfast Area or Nook
  • Eat-In Kitchen
  • Electric Oven or Range
  • Built-In Microwave
  • Dishwasher
  • Kitchen Island
  • Disposal

Bedrooms and Bathrooms

  • En-Suite Bathroom
  • In-Law or Guest Suite
  • 3 Full Bathrooms
  • Bathtub with Shower

Laundry

  • Laundry on main level
  • Dryer
  • Washer

Partially Finished Basement

  • Walk-Up Access
  • Connecting Stairway
  • Laundry in Basement

Accessible Home Design

  • Mobility Improvements
  • Level Entry For Accessibility
  • Ramp on the main level

Outdoor Features

  • Canoe or Kayak Water Access
  • Private Water Access
  • River Nearby
  • Powered Boats Permitted
  • Deck

Schools

  • Chesapeake City Elementary School
  • Bohemia Manor Middle School
  • Bohemia Manor High School

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Powered By Leased Propane
  • Vented Exhaust Fan
  • Propane
  • Well
  • Electric Water Heater
  • On Site Septic
  • Cable TV Available

Listing and Financial Details

  • Assessor Parcel Number 0802026902

Community Details

Overview

  • No Home Owners Association
  • Locust Point Subdivision

Recreation

  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,769

Year Built

Built in 1985

Lot Details

0

Parking

2

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Ranch/Rambler
  • Accessibility Features: Level Entry - Main, Mobility Improvements, Ramp - Main Level
  • Ownership: Fee Simple
  • New Construction: No
  • Story List: Lower 1, Main
  • Federal Flood Zone: No
  • Year Built: 1985
  • Automatically Close On Close Date: Yes
  • Remarks Public: TWO HOMES FOR THE PRICE OF ONE – A RARE FIND WITH ENDLESS POSSIBILITIES! Looking for a property that offers more than just a place to live? This exceptional large ranch-style home boasts over 2,200 square feet of one-story living and delivers two fully separate living spaces under one roof, ideal for multi-generational living, rental income, or a flexible lifestyle tailored to your needs. The main home features a spacious layout with 4 bedrooms (3 on the main level and 1 in the finished basement) and 2 full bathrooms. At the heart of the home is the updated kitchen, showcasing a large deluxe island, upgraded cabinetry, a farmhouse sink, and beautiful granite countertops, perfect for both everyday living and entertaining. The second unit is a thoughtfully designed 2-bedroom, 1-bath in-law suite, complete with its own full kitchen, private laundry, wide doorways, entry ramp, and private entrance, offering true independence and accessibility. Set on 3.64 acres of peaceful countryside, this serene property offers both privacy and potential. Enjoy quiet mornings surrounded by nature or host unforgettable gatherings around the fire pit in the huge backyard, a space where the sky is the limit for outdoor enjoyment, gardening, raising chickens or future additions. Plus, you’ll enjoy deeded access to the beautiful Elk River, perfect for kayaking, fishing, or simply soaking in the waterfront lifestyle. With NO HOA, you have the freedom to make this property your own. And for qualified buyers, this home may be eligible for 100% financing through special loan programs, ask your agent or lender for more details. Whether you're investing, expanding, or simply dreaming of more room to live and grow, this home isn’t just a place...it’s an opportunity you don’t want to miss!
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Built-In Microwave, Dishwasher, Disposal, Dryer, Exhaust Fan, Oven/Range - Electric, Washer, Water Heater
  • Interior Amenities: 2nd Kitchen, Breakfast Area, Ceiling Fan(s), Combination Kitchen/Dining, Combination Kitchen/Living, Entry Level Bedroom, Kitchen - Island, Primary Bath(s), Recessed Lighting, Attic, Bathroom - Tub Shower, Family Room Off Kitchen, Kitchen - Table Space
  • Fireplace: No
  • Foundation Details: Permanent, Block
  • Levels Count: 1
  • Room List: Bedroom 2, Bedroom 3, Bedroom 4, Bedroom 5, Kitchen, Bedroom 1, In-Law/AuPair/Suite, Bedroom 6, Bathroom 1, Bathroom 2, Bonus Room
  • Basement: Yes
  • Basement Type: Partially Finished, Connecting Stairway, Walkout Stairs
  • Laundry Type: Basement, Main Floor
  • Total Sq Ft: 3450
  • Living Area Sq Ft: 2650
  • Price Per Sq Ft: 222.93
  • Above Grade Finished Sq Ft: 2220
  • Below Grade Finished Sq Ft: 430
  • Below Grade Sq Ft: 800
  • Total Below Grade Sq Ft: 1230
  • Above Grade Finished Area Units: Square Feet
  • Street Number Modifier: 851

Beds/Baths

  • Bedrooms: 6
  • Main Level Bedrooms: 5
  • All Lower Level Bedrooms: 1
  • Lower Level Bedroom: 1
  • Total Bathrooms: 3
  • Full Bathrooms: 3
  • Main Level Bathrooms: 3.00
  • Main Level Full Bathrooms: 3

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Construction Materials: Block, Vinyl Siding
  • Roof: Shingle
  • View: Trees/Woods
  • Water Access Features: Boat - Powered, Canoe/Kayak, Fishing Allowed, Private Access
  • Water Access: Yes
  • Water Body Name: Elk River
  • Water Body Type: River
  • Waterfront: No
  • Water Oriented: Yes
  • Pool: No Pool
  • Tidal Water: No
  • Water View: No

Garage/Parking

  • Garage Spaces: 2.00
  • Garage: Yes
  • Garage Features: Garage - Side Entry, Inside Access
  • Attached Garage Spaces: 2
  • Total Garage And Parking Spaces: 2
  • Type Of Parking: Attached Garage, Driveway

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C
  • Heating Fuel: Propane - Leased
  • Heating Type: Forced Air
  • Heating: Yes
  • Hot Water: Electric
  • Sewer/Septic System: On Site Septic
  • Utilities: Cable Tv Available, Propane
  • Water Source: Well

Condo/Co-op/Association

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

Schools

  • School District: CECIL COUNTY PUBLIC SCHOOLS
  • Elementary School: CHESAPEAKE CITY
  • Middle School: BOHEMIA MANOR
  • High School: BOHEMIA MANOR
  • Elementary School Source: Listing Agent
  • High School Source: Listing Agent
  • Middle School Source: Listing Agent
  • School District Key: 121139799812
  • School District Source: Listing Agent
  • Elementary School: CHESAPEAKE CITY
  • High School: BOHEMIA MANOR
  • Middle Or Junior School: BOHEMIA MANOR

Lot Info

  • Fencing: Rear
  • Lot Features: Backs To Trees
  • Lot Size Acres: 3.64
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 158558.00
  • Outdoor Living Structures: Deck(s)
  • Zoning: RR
  • In City Limits: No

Rental Info

  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 3769.00
  • Assessor Parcel Number: 0802026902
  • Tax Year: 2024
  • Close Date: 07/21/2025

MLS Schools

  • School District Name: CECIL COUNTY PUBLIC SCHOOLS

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
May 29, 2025
Closed on
Jul 21, 2025
Sold by
Macknis Dawn Renee and Horsey Kevin Aaron
Bought by
Hart Joseph and Hart Dale
Seller's Agent
Nicole Strahorn
Gregg Team Realty
Buyer's Agent
Mike Hutton Hutton
Patterson-Schwartz Real Estate
List Price
$494,900
Sold Price
$490,000
Premium/Discount to List
-$4,900
-0.99%
Views
96

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.89%
Original Mortgage
$392,000
Outstanding Balance
$391,668
Interest Rate
6.84%
Mortgage Type
New Conventional
Estimated Equity
$104,700

Purchase Details

Closed on
Jul 8, 2013
Sold by
Horsey Aaron D and Horsey Donna M
Bought by
Horsey Kevin Aaron and Horsey Dawn Hazlett

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$245,000
Interest Rate
3.92%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Closed on
Jul 15, 1988
Sold by
Cohen Bernard Allen
Bought by
Horsey Aaron D and Horsey Donna M

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$97,000
Interest Rate
10.44%

Purchase Details

Closed on
Sep 30, 1983
Sold by
Boughers Gordon N
Bought by
Cohen Bernard Allen
Source: Public Records

Range of Values:

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Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Deed $490,000 Equitable Title
Deed $490,000 Equitable Title
Deed $245,000 Kirsh Title Services Inc
Deed $102,000 --
Deed $21,900 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $392,000 New Conventional
Closed $392,000 New Conventional
Previous Owner $305,000 New Conventional
Previous Owner $280,000 New Conventional
Previous Owner $255,000 New Conventional
Previous Owner $245,000 Purchase Money Mortgage
Previous Owner $34,200 Credit Line Revolving
Previous Owner $97,000 No Value Available
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
07/21/2025 07/21/25 Sold $490,000 -1.0% $185 / Sq Ft
06/06/2025 06/06/25 Pending -- -- --
05/29/2025 05/29/25 For Sale $494,900 -- $187 / Sq Ft
Source: Bright MLS

Tax History Compared to Growth

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 $3,870 $348,133 $0 $0
2024 $3,419 $338,900 $165,100 $173,800
2023 $3,080 $336,833 $0 $0
2022 $3,830 $334,767 $0 $0
2021 $3,754 $332,700 $165,100 $167,600
2020 $3,688 $314,567 $0 $0
2019 $3,479 $296,433 $0 $0
2018 $3,270 $278,300 $165,100 $113,200
2017 $3,270 $278,300 $0 $0
2016 $3,131 $278,300 $0 $0
2015 $3,131 $278,500 $0 $0
2014 $3,205 $278,500 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Bright MLS

MLS Number: MDCC2017646

Bright MLS

APN: 02-026902