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36102 Bay Dr , Chaptico, MD 20621
$280,000
Est. Payment: $1,490.28/mo
3 Bed
1 Bath
1344 Sqft
0.71 Acres
Status: active under contract | Days on site: 31
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CENT2010 - 3044462
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House Description

Nestled in the peaceful Mill Point Shores community, this charming 3-bedroom bungalow offers comfort, character, and a relaxed lifestyle near the water. The home features a full bath with a walk‑in shower and an eat‑in kitchen equipped with a gas oven/range, dishwasher, and microwave. Casement windows with tasteful treatments bring in natural light and create a warm, welcoming feel throughout. Interior details include carpeting, ceramic tile, and hardwood flooring under the carpet in the dining/family room. A brick fireplace serves as the focal point of the living room, adding a cozy touch on cooler evenings. Additional conveniences include an attic with pull‑downstairs and fan, pantry, and main‑floor laundry hookups. Situated on a 0.714‑acre corner lot, the property offers outdoor enjoyment with mature trees, established gardens, and a screened gazebo perfect for relaxing and listening to the sounds of nature. Mill Point Shores residents enjoy access to community amenities including a private beach, boat ramp, and clubhouse — ideal for gatherings or quiet afternoons by the water. The Wicomico River is just moments away, offering opportunities for boating, canoeing, kayaking, and fishing. Some upgrades are needed. Add your personal touch to make this your year‑round home or a comfortable seasonal getaway.

Highlights

Listed by Madeline J Timberlake , 2024918746 CENTURY 21 New Millennium , 3018622169. Bright MLS

Property Type

Residential

Lot/Acreage
0.71

HOA Fee

502 Annually

Year Built

1979

County

Saint Marys

Neighborhood

Mill Point

School District

St. Mary's County Public Schools

Listing ID

MDSM2033342

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Dishwasher, Dryer, Microwave, Oven/Range - Gas, Washer, Water Heater
Air Cond:Programmable Thermostat
Fireplaces:Brick,Insert,1 Fireplace
Floor:Carpet,Ceramic Tile,Hardwood
Above Ground Sq Ft:1344
Other:
  • ▪ Main Floor Bedrooms:3
  • ▪ Additional:Attic/House Fan, Bathroom - Walk-In Shower, Breakfast Area, Carpet, Ceiling Fan(s), Dining Area, Entry Level Bedroom, Family Room Off Kitchen, Floor Plan - Open, Kitchen - Eat-In, Pantry, Window Treatments, No Pet Restrictions, Pets Allowed
Water:Private,Well

Exterior Features

Lot:Additional Lot(s),Front Yard,Level,Private,Rear Yard,Trees/Wooded,Not New Construction,Horse Property: No
Garage Capacity:4
Zoning:Residential Neiborhood Conservation
Roof:Shingle
Others:
  • ▪ Additional:Exterior Lighting, Satellite Dish, Secure Storage, Private Beach, Very Good, Beach, Boat Ramp, Club House, Water/Lake Privileges, Common Area Maintenance, Management, Pier/Dock Maintenance, Snow Removal
Sewer:Private Septic Tank
Parking Features:Concrete Driveway,Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$1,490
Taxes
$133
HOA
$502

Home Price

$280,000

Loan Details

30 yrs
7%

Down Payment

20%
$56,000
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:
$1,490.28

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,490.28 $133.42 $502.00 $2,125.69
Yearly $17,883.33 $1,601.00 $6,024.00 $25,508.33
Total $536,499.93 $48,030.00 $180,720.00 $765,249.93
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Chaptico, 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.

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

© 2026 Bright MLS