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973 Phillips Dr , Arnold, MD 21012
$1,750,000
Est. Payment: $9,314.23/mo
5 Bed
4 Bath
4158 Sqft
0.33 Acres
Status: active | Days on site: 5
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KWF1 - 49240
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House Description

Welcome home!! Spend the afternoon on Deep Creek, bring the boat back to your private pier with a boat lift, and head up to the deck for dinner as the light fades across the water. At this custom waterfront Cape Cod in Arnold’s Shore Acres, the creek views follow you indoors. A sweep of glass brings the waterfront into the open living and dining areas, where high ceilings and hardwood floors frame a wood-burning fireplace. In the kitchen, quartz countertops with a waterfall edge make a statement, paired with stainless steel appliances and propane cooking. Upstairs, wake up to views of Deep Creek beneath a high ceiling, or unwind beside the primary suite’s propane fireplace framed by built-in shelving. Two walk-in closets lead to an en suite bath with heated floors, a soaking tub, a separate shower and a dual vanity. Two additional bedrooms with high ceilings, a full bath and laundry complete this level. For a night in, pour a drink at the granite-topped dry bar and settle into your own theater. The lower level also offers a separate recreation room, a full bath with heated floors and a fourth bedroom with a built-in Murphy bed for overnight guests. Landscaped gardens with irrigation frame the home, while a detached two-car garage and large shed offer storage. The property also features owned solar panels and a whole-house generator. Shore Acres amenities include a community dock, beach, clubhouse and playground. Membership in the Shore Acres Improvement Association is voluntary. Donnelly’s Dockside is nearby. Buyer to verify mean low water depth.

Highlights

Listed by Christina J Palmer , 4439383379 Keller Williams Flagship , 4107297700. Bright MLS

Property Type

Residential

Lot/Acreage
0.33

Year Built

2012

County

Anne Arundel

Neighborhood

Shore Acres

School District

Anne Arundel County Public Schools

Listing ID

MDAA2160972

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Energy Efficient Appliances, Microwave, Oven/Range - Gas, Stainless Steel Appliances, Water Conditioner - Owned, Water Heater - Tankless
Air Cond:Central A/C
Fireplaces:Wood,Gas/Propane,2 Fireplaces
Above Ground Sq Ft:2772
Below Ground Sq Ft:1386
Basement:Connecting Stairway,Drainage System,Interior Access,Partially Finished,Windows,Poured Concrete
Other:
  • ▪ Main Floor Bedrooms:5
  • ▪ Additional:Bar, Attic, Bathroom - Jetted Tub, Bathroom - Walk-In Shower, Bathroom - Tub Shower, Breakfast Area, Built-Ins, Ceiling Fan(s), Crown Moldings, Efficiency, Entry Level Bedroom, Exposed Beams, Family Room Off Kitchen, Floor Plan - Open, Recessed Lighting, Sprinkler System, Stove - Wood, Upgraded Countertops, Walk-in Closet(s), Water Treat System
Water:Well

Exterior Features

Lot:Private Access,Swimming Allowed,Boat - Powered,Not New Construction,Horse Property: No,Waterfront
Garage Capacity:6
Zoning:R2
Others:
  • ▪ Additional:Boat Storage, Secure Storage, Underground Lawn Sprinkler
Sewer:Private Septic Tank
Parking Features:Gravel Driveway,Additional Storage Area,Garage - Front Entry,Garage Door Opener,Oversized,Detached Garage,Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$9,314
Taxes
$1,198

Home Price

$1,750,000

Loan Details

30 yrs
7%

Down Payment

20%
$350,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$9,314.23

Principal

Taxes

Principal Taxes HOA Total
Monthly $9,314.23 $1,197.50 $0.00 $10,511.73
Yearly $111,770.82 $14,370.00 $0.00 $126,140.82
Total $3,353,124.58 $431,100.00 $0.00 $3,784,224.58
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Arnold, MD).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-13T17:14:43.000Z

© 2026 Bright MLS